WHAT IS SHORT TERM MEDICAL COVERAGE?

  • Short Term Medical Coverage is temporary insurance for gaps in health coverage. It is designed for individuals who, for several reasons are without heath coverage for a short period of time. The policy lasts for six months and is renewable once. Instant Issue allows the policy to become effective as early as the next day.
       
  • Until you can enroll in permanent coverage, safeguard your financial future with Short Term Medical temporary insurance. Underwriting standards for qualification are very lenient and rates are about 20% lower than permanent coverage, but exclude pre-existing conditions. Short Term Medical provides the peace of mind and health care access you need at a price you can afford.

Want to Calculate Your Premium Yourself?

Click here for a table of Single Pay and Monthly Pay Rates.

WHO’S ELIGIBLE FOR SHORT TERM MEDICAL?
   

  • Between jobs - If you are between jobs, consider Short Term Medical. For about half the cost of COBRA, Short Term Medical offers next-day coverage to help you bridge the insurance gap.
       
  • Waiting to be added on a group plan - Often new employers impose a waiting period before you are eligible for health benefits. With Short Term Medical, you stay insured and can choose your own plan duration.
       
  • Temporary or seasonal employees - When your employment schedule is unpredictable, it is hard to maintain health coverage. Short Term Medical offers you prescription drug savings and flexible coverage options to suit your situation.
       
  • New graduates - If you have just graduated, you are probably no longer eligible for health insurance through a student plan or your parents’ plan.

WHAT ARE PRE-EXISTING CONDITIONS?

  • A pre-existing condition is a condition for which you received medical treatment or advice during the five-year period immediately prior to your Short Term Medical effective date, regardless of whether the condition was diagnosed or not; or
       
  • A condition that produced signs or symptoms within the five-year period immediately prior to your Short Term Medical effective date. The signs or symptoms either must have allowed one knowledgeable in medicine to diagnose the disorder or would have compelled a reasonable person to seek diagnosis or treatment.
       
  • Please note that Short Term Medical Plans provide coverage for unexpected illness and injuries, meaning that they do not cover pre-existing conditions.

WHAT’S COVERED?

Prescription Drug Benefits

 

  • Include a prescription drug card for instant savings on average over 30% off.
       
  • Covered (subject to deductible and coinsurance).

Doctor Visits

  • Covered for unexpected illness and injury.
       
  • Subject to deductible and coinsurance.
       
  • You may keep your own doctors.
       
  • Discount for using network doctors - on average 20-35% off.

Hospital Benefit

  • Inpatient and outpatient services covered.
       
  • Subject to deductible and coinsurance.
       
  • Discounts for using network facilities on average 20-35% off.

Emergency Room Care

  • Covered.
       
  • Subject to deductible and coinsurance.

Ambulance

  • Service to nearest hospital, able to treat condition.

Outpatient surgery

  • Covered.
       
  • Subject to deductible and coinsurance.

X-ray and Laboratory

  • Covered.
       
  • Subject to deductible and coinsurance.

Transplant Benefits   

  • $100,000 including up to $10,000 in donor expenses.

Deductible Choices

  • $500, $1,000, or $2,500.
       
  • Only one deductible must be satisfied for all covered family members.

Coinsurance

  • 80%/20%.

Lifetime Maximum
   

  • $2,000,000.

WHAT’S NOT COVERED:

  • Treatment for pre-existing conditions, including those not inquired about on the enrollment form.
       
  • Illness or injury that is self-inflicted or caused while engaged in a felony, under the influence of an illegal substance, driving under influence, in military service, and/or a hazardous occupation or activity for which compensation is received, or playing interscholastic sports.
       
  • Vision or dental treatment, foot care, or orthotics.
       
  • Maternity, genetics, or fertility treatment or testing.
       
  • Custodial care or private nursing.
       
  • Cosmetic, experimental, investigational, or not medically necessary treatment.
       
  • Treatment of mental illness or substance abuse.
       
  • Expenses incurred outside the United States, its possessions, or Canada.
       
  • Routine care, examinations, or immunizations.