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Temporary/Short Term Health Insurance>
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Short Term Major Medical Insurance for People with
Temporary Needs Who are: Between Jobs or Laid Off, Graduating from College,
Waiting for Group Coverage, Looking for a Low-Cost Alternative to COBRA, or
Temporary or Seasonal Employees. Short Term Medical Insurance provides
affordable health coverage that protects you or your family --
for only
dollars a day. Short Term Medical is a temporary health insurance
plan (30-185 days) designed for people who are between permanent health plans.
Here's How the Plan Works:
You choose the plan that best meets your needs and budget!
Simply select from your choice of deductibles, rate of payment options, and
length of coverage. Since this plan is not an HMO or PPO, you choose your
own doctors and hospitals.
- Deductible Choices: $250, $500, $1,000,
$2,500
- Rate of Payment Options: 100%, 80/20, to
$5,000 (100% not available with $250
Deductible)
- Length of Coverage Options: 30 - 185 Days
Benefits are Paid as Follows:
- You pay the deductible for each covered
person.
- Once the deductible is satisfied, the
Insurance Company pays either 100% or 80% of the next $5,000 of covered
expenses.
- After the deductible and the out-of-pocket
maximums are satisfied the Insurance Company pays 100% of the remaining
covered expenses up to the plan maximum of $2 million for each covered person.
Who is Eligible for the Plan:
- Healthy Individuals between the ages of 15 days and age
64 and 11 months, who have a temporary insurance need.
- Dependent children through age 20 (age 24 if a
full-time student) may be covered as dependents on their parent's plan.
- Foreign residents living in the U.S. for at least one
year with proof of an Alien Registration Receipt Card, Green Card, Visa, or
other appropriate documentation.
Plan Highlights:
- $2 Million coverage maximum per policy period
- Freedom to choose your own doctors and hospitals
- Prescription Drug coverage
- Excellent in-hospital and out patient benefits
- Semi-Private room and board
- Intensive care
- Lab and x-ray
- Ambulance Service
- Managed Care/pre-authorization procedure
- Maximum Family deductible equal to three times your
individual deductible amount.
- Extension of Benefits* -- up to 12 months if totally
disabled
- Extension of Benefits Plus* -- 60 day/$1,000 benefit
for non-disabling conditions
When Does Coverage Begin?
Your effective date of coverage will begin on the later
of: 12:01 a.m. the day after your requested date; or 12:01 a.m. the day after
the postmark date affixed by the U.S. Post Office, provided the following
conditions are met:
- Your application and full premium payment are received
- Your answers on the application are complete and meet
the requirements for acceptance
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