What's Covered Protection from the high cost of an unexpected illness or accident An Assurant Health Short Term Medical plan is an easy and affordable way to protect yourself and your family from the financial hardship of an unexpected illness or accident. The plan provides valuable benefits, gives you the freedom to choose your own doctors and hospitals and pays for all covered medical expenses once your deductible, coinsurance and any applicable access fees have been met. What's Covered: All covered services are subject to deductible, coinsurance and any applicable access fees. PLAN FEATURES Short Term Medical Plan HealthSaver® Limited-Benefit Plan Doctor Visits Yes Yes Hospital Benefits (Inpatient and outpatient services) Yes Yes* Emergency Room Care Yes Yes* Ambulance Yes Yes Outpatient Services (Services performed outside a hospital) Yes Yes* Prescription Drug Benefits Yes No X-ray and Laboratory Yes Yes Transplant Benefits Yes No * With the HealthSaver Limited-Benefit plan, the following access fees apply: $500 per inpatient hospital stay, $150 per emergency room visit and $500 per outpatient surgery. Access fees are listed as copays in the policy. Some benefit limits vary between the Short Term Medical and HealthSaver Limited-Benefit plans. Although the above list provides a summary of covered medical services, it is not an insurance contract and only the actual contract defines coverage. Benefits may vary by state, by plan and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and Assurant Health. Once you receive your Short Term Medical Policy, please read it carefully.