The travel company I'm working with (and every other one I've looked at) offers two different types of insurance: the cheaper Open Access Plus In-Network (OAPIN) - Exclusive provider with a $1000 deductible or the more expensive Open Access Olus (OAP) - Preferred Provider Organization (PPO) with a $500 deductible. I have some chronic medical problems coverage begins from day #1 of the assignment with the OAPIN plan whereas coverage does not begin until the 1st of the month after 30 days on the assignment. With my medical issues, I'd rather not wait 30 days for my coverage to kick in but I know that the PPO is the best option for me and my situation. Can anyone explain to me how this works or why I have to wait 30 days after starting my assignment for the PPO coverage to start?
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The travel company I'm working with (and every other one I've looked at) offers two different types of insurance: the cheaper Open Access Plus In-Network (OAPIN) - Exclusive provider with a $1000 deductible or the more expensive Open Access Olus (OAP) - Preferred Provider Organization (PPO) with a $500 deductible. I have some chronic medical problems coverage begins from day #1 of the assignment with the OAPIN plan whereas coverage does not begin until the 1st of the month after 30 days on the assignment. With my medical issues, I'd rather not wait 30 days for my coverage to kick in but I know that the PPO is the best option for me and my situation. Can anyone explain to me how this works or why I have to wait 30 days after starting my assignment for the PPO coverage to start?