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Policy Number: HOME 002

Policy Number: HOME 002 2025

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The document outlines the UnitedHealthcare Oxford Clinical Policy for Home Health Care, effective October 1, 2017. It details coverage conditions, benefit considerations, and coverage rationale for home health services, emphasizing that services must be medically necessary, skilled in nature, and provided in the home setting. The policy specifies eligibility requirements, applicable codes for billing, and exclusions such as custodial care. It also references related policies and provides definitions relevant to home health care.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Does HO3 cover water damage?

Sudden and accidental water damage covers discharge or overflow of water or steam from within a plumbing, heating, or air conditioning system, or household appliance. This is typically included up to the policy limits with most HO3 policy types.

Which is better, HO2 or HO3?

HO-3 policies offer more expansive coverage than HO-2s, meaning that your homes structure is safeguarded against all perils except for those specifically excluded (for example, earthquakes and floods) in your policy.

What is the difference between HO2 and HO3 and ho4?

For regular homeowners, HO-1 and HO-2 are named-peril policies, while the HO-3 is the all-perils policy. The HO-4 covers apartment renters, but condo owners are best served by an HO-6. Mobile homes are covered under the HO-7, but only when theyre stationary; motor homes arent covered.

What does a HO3 cover that a HO2 does not?

An HO-2 policy puts The burden of proof is yours to prove that your loss was caused by one of the named perils. The HO-3, on the other hand, is what is called an open perils policy. Everything is covered except what is specifically excluded. For example - earth movement, flood, nuclear hazard, and war are excluded.

What is an HO2 homeowners policy?

HO-2 is the technical term for a particular homeowners policy tier. An HO-2 home insurance policy covers only your home and personal property against threats specifically named on the policys declarations page. An HO-2 policy is often called a named peril policy the covered threats are specifically listed.

Where can I find my home insurance policy number?

Your policy number is typically included on your declarations page, as well as the limits youve selected for primary homeowners coverages like dwelling coverage, personal property coverage, liability coverage and guest medical protection.

What does HO2 mean in insurance?

An HO-2 policy is a type of home insurance that is written on a named-perils basis. This means it only covers damage to your property thats caused by one of the perils identified in the policy. Some HO-2 policies also cover your personal property and personal liability.

How can I look up my insurance policy number?

It is typically between nine and thirteen digits long and contains both letters and numbers. You can usually find your policy number on your insurance card, on bills from your insurance company and in the online portal or mobile app.

Policy Number: HOME 002 2025

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