Short Term InsuranceWhat's CoveredDoctor Visits- Covered for unexpected illness and injury
- Keep your existing doctors and hospitals
- Discounts for using network doctors – average 20–35% off
Hospital Benefits- Inpatient and outpatient services covered, including ER care, Outpatient Surgery, X–ray and laboratory discounts for using network facilities – average 20–35% off
Prescription Drug Benefits- Subject to deductible and coinsurance
Ambulance- Service to nearest hospital able to treat condition
Transplant Benefits- $100,000 including up to $10,000 in donor expenses
Flexibility to Fit Your Needs and BudgetDeductible Choices (the amount you must pay before Assurant Health begins to pay benefits.)- $1,000, or $2,500, $3,500 or $5,000
- Only one deductible must be satisfied for all covered family members
Coinsurance (Assurant Health's portion/ your portion of the first $10,000 in medical bills after you meet your deductible. After that point, Assurant pays 100% of costs up to the lifetime maximum.)- 100%/0%, 80%/20%, 50%/50%
Lifetime Maximum (Maximum amount your plan will pay toward medical bills per covered person.)What's Not CoveredPlan LimitationsShort Term insurance is designed to protect you in the event of an unexpected illness or injury. Because of this, preventive care, physicals, immunizations, dental or eye care are not covered. Plan ExclusionsWhile policies vary by state, the following general summary outlines expenses that are not covered by this temporary health insurance plan. - Pre–existing conditions
- A pre-existing condition is an illness or injury for which the covered person received medical treatment or advice from a physician within the 5 year* period immediately preceding the covered person's effective date; or that produced signs or symptoms within the 5 year* period immediately preceding the covered person's effective date.
*May vary by state.
- Intentionally self-inflicted sickness or injury
- Free services provided by a federal, veteran's, state or municipal hospital
- Dental treatment unless a hospital stay is required
- Eyeglasses, contact lenses, eye exams
- Artificial hearing devices
- Preventive treatment including routine physical exams and immunizations
- Normal pregnancy or childbirth
- Routine well-baby care including hospital nursery charges at birth or abortion
- Cosmetic treatment
- Treatment, repair or removal of tonsils or adenoids, except as an emergency
- Treatment or services required due to an injury received while engaging in any hazardous occupation or other hazardous activity
- Treatment or services required due to injury received while engaging in any hazardous occupation or other activity for which compensation is received
- Treatment or services required due to injury sustained while participating in any interscholastic or inter–collegiate sport, contest or competition or while practicing exercising, undergoing conditioning or physical preparation for any such sport, contest or competition
- Treatment or services required for Sickness or Injury resulting from consumption abuse or overdose of alcoholic beverages or any illegal or controlled substance
- Expenses incurred outside of the United States or its possessions or Canada
- Services or supplies for foot care, including care of corns, bunions or calluses
Although the above provides a good description of the important features of the Short Term insurance plan, this is not the insurance contract and only the actual contract defines coverage. Exclusions may vary by state and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and the insurance company. |
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