WHAT’S COVERED Short Term Medical coverage can protect you in the event of an unexpected illness or injury. Our plan allows you to choose your doctors and hospitals and pays for all covered expenses once your deductible and coinsurance amounts have been met. The following general summary of features on this Short Term Medical plan may vary according to the state in which the insured resides. This summary is not an insurance contract. The policy itself sets forth in detail the rights and obligations of both you and your insurance company. Once you receive your Short Term Medical policy, please read it carefully. Short Term Medical is designed to provide coverage for major hospital, medical and surgical expenses incurred as a result of medically necessary care for a covered illness or injury. Coverage is provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital services, and out-of-hospital care, subject to any deductibles or rate of payment provisions or other limitations which may be set forth in the policy. A covered illness or injury is an expense that is: 1) incurred for services, treatment or supplies prescribed by a physician; 2) incurred by a covered person as the result of sickness or injury; 3) incurred for medically necessary care; and 4) incurred while this policy is in force. Covered Medical Services The following general summary of covered medical services may vary according to the state in which the insured resides. ● Covered charges incurred for: physician and surgical services. ● Covered charges incurred for drugs which require the written prescription of a physician. ● Covered charges incurred for: room, board and routine nursing services that are generally provided to all persons while confined in a hospital. If the covered person is confined in a private room, only charges up to the average semi-private rate of the hospital are covered. ● Covered charges incurred for outpatient medical care and treatment provided by a hospital or freestanding ambulatory surgical facility. ● Covered charges incurred for x-ray, radioactive treatment, laboratory and anesthesia services, including one screening mammographic exam per benefit period for a covered female, age 35 or over. ● Covered charges incurred for the first 30 days of confinement in a rehabilitation or skilled nursing facility for the covered person per benefit period. ● Covered charges incurred for the first 40 home health care visits for the covered person per benefit period. ● Covered charges incurred for up to 10 outpatient physical medicine visits for the covered person per benefit period. (Includes chiropractic care in most states.) ● Covered charges incurred for professional ambulance service to the nearest hospital that is able to handle the sickness or injury. |