SHORT TERM MEDICAL OVERVIEW “I’ll only be without coverage for a few months, what could happen?” “I’m strong and healthy. I don’t need insurance.” “It’ll never happen to me.” These phrases are heard much too often and people are, unfortunately, going without health insurance. But, the unexpected happens every day. Someone falls down the stairs, gets injured in a car accident or develops a sudden illness. In a single moment, your world can change. These unexpected illnesses or injuries can be startling, so can the doctor bills. That’s why it’s so important to have reliable, temporary health insurance that will cover the medical expenses when the unexpected occurs… that’s why you need Short Term Medical. Eligibility Requirements Who is eligible: ● Health 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). ● Foreign residents living in the Who is not eligible: ● Persons who would be declined for an Individual Medical policy. ● Persons who will turn 65 or become eligible for Medicare during the benefit period. ● Persons who are pregnant. ● Persons seeking coverage while traveling outside of the ● Persons engaging in hazardous activities, sports or occupations. ● Persons previously declined by another carrier. No HMOs or PPOs Since Short Term Medical is not an HMO or PPO plan, you can visit the doctor or hospital of your choice. No referrals are needed; no out-of-network penalties are incurred – the choice is yours! Obtaining an Additional Short Term Medical Policy Short Term Medical plan is not renewable. However, if your temporary need continues beyond your policy period, you may apply for a new plan under the following circumstances: ● No claims were incurred under a previous Insurance Company Short Term Medical plan. ● There has been no significant change in your health. Any previous or current health condition or symptom will be considered a pre-existing medical condition that will not be covered under a new plan. There is no continuous coverage between plans – therefore your new plan will not provide benefits for any condition or symptom which began during a previous plan. In addition, no benefits are available for any period in which you are not covered by an Insurance Company Short Term Medical plan. To obtain an additional plan, you must complete a new enrollment form. If the enrollment form is approved, a new plan will be issued. |