What I Need to Know
Universal Healthcare

Members that are covered under Universal Healthcare plans are allowed to purchase a  private health plan, but only for the services that are not covered under Universal Healthcare.

For example, if admitted to the hospital under Universal health you may only have access to a ward with at least 3 other people in your room, if you wanted a private or semi-room you can purchase a private policy that provides this level of coverage.

COB would not apply since the covered services would be excluded under the Universal plan. 

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