HealthierLife (HARP)
harp life insurance HealthierLife is Fidelis Care’s Health and Recovery Plan (HARP) for qualifying Medicaid Managed Care members. This plan gives an more desirable benefit package for folks who are eligible for Medicaid and have particular behavioral fitness needs.
Who can observe?
At this time, handiest Medicaid-enrolled people age 21 or older who have been recognized by using New York State as eligible to enroll in a Health and Recovery Plan can join in HealthierLife.
Availability : Harp Life Insurance
HealthierLife is to be had 12 months-spherical.
Benefits
HealthierLife promotes recuperation for individuals with the aid of supporting to take away excellent of lifestyles roadblocks due to mental illness and/or substance abuse. HealthierLife participants acquire all physical, behavioral, and social health and guide offerings in one integrated plan. Through Fidelis Care’s partnership with Health Homes, contributors also are eligible for their own Health Home Care Manager and Fidelis Care Care Manager to help with coordinating care throughout all in their health care companies.
As a HealthierLife member, you could qualify for added advantages called Home and Community Based Services (HCBS). These blessings offer individualized supports, inclusive of:
- Help getting ready for and locating a task
- Finding housing
- Going to school
- Reaching your lifestyles goals
Members take part in an assessment to decide which services they are eligible to get hold of.
How to Enroll
Enrollment is computerized if you are enrolled in New York State Medicaid and had been recognized with the aid of New York State as eligible to sign up for a Health and Recovery Plan.
Did you get hold of a letter from New York State approximately joining HARP?
If you have got questions about the letter you acquired, or want extra statistics about HealthierLife, call Fidelis Care at 1-888-FIDELIS (1-888-343-3547) TTY: 711.
Harp Life InsuranceHow can we assist?
Fidelis Care is here to help you live your healthiest lifestyles and make informed medical health insurance choices:
In exchange for constant charges, an coverage enterprise guarantees to pay a fixed gain whilst the policyholder dies, however additionally offers extra benefits as nicely. Whole lifestyles coverage guidelines can building up cash cost — successfully a coins reserve that will pay a modest fee of return, and the growth is tax-deferred. Guarantees are primarily based at the claims-paying capacity of the issuing organisation.
Most entire life coverage policies permit policyholders to borrow a element of their coverage’s cash fee. Access to the coins fee can can help you pay for such things as college costs, a home down charge, or every other wishes you could have. Interest payments on policy loans pass directly back into the policy’s coins value.
When the policyholder dies, his or her beneficiaries receive the benefit from the coverage. Depending on how the policy is dependent, blessings may additionally or may not be taxable.
Whether whole life insurance is the high-quality preference for you could depend upon a range of factors, consisting of your goals or circumstances.
When you borrow against this coins value of your coverage, there are a few critical factors to remember. Accessing the cash value of the coverage policy through borrowing — or partial surrenders — has the capacity to lessen the coverage’s cash value and advantage. Accessing the coins value may also increase the risk that the policy will lapse and might result in a tax legal responsibility if the policy terminates before your demise.
As with all forms of lifestyles insurance, several factors will have an effect on the value and availability of complete existence insurance, inclusive of age, fitness, and the sort and amount of insurance bought. Life insurance regulations have charges, which includes mortality and other fees. If a policy is surrendered upfront, the policyholder can also pay surrender costs and have income tax implications. You ought to bear in mind determining whether or not you are insurable earlier than enforcing a approach regarding lifestyles insurance. Any guarantees associated with a policy are depending on the potential of the issuing coverage employer to keep making claim bills.
Life insurance isn’t always insured with the aid of the FDIC (Federal Deposit Insurance Corporation). It isn’t insured by any federal government business enterprise or financial institution or financial savings association.
