What's Not Covered Coverage to get you through life's transitions Short Term Medical insurance is designed for temporary needs. It provides the peace of mind and health care access you need until permanent coverage can be obtained. What's Not Covered: (Short Term Medical and HealthSaver Limited-Benefit plans) Treatment of a pre-existing condition,* including those not inquired about on the enrollment form Routine care, examinations or immunizations Illness or injury that is self-inflicted or caused while engaged in a felony, under the influence of an illegal substance, driving under the influence, in military service, in a hazardous occupation or activity for which compensation is received, intercollegiate sports Vision or dental treatments, 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, and Canada Prescription drugs (HealthSaver Limited-Benefit plans only) Transplant benefits (HealthSaver Limited-Benefit plans only) * A pre-existing condition is a medical condition due to sickness or injury for which medical treatment or advice was received during the five-year period immediately prior to the Short Term Medical effective date, regardless of whether the condition was diagnosed or not; or that produced signs or symptoms within the five-year period immediately prior to the 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. This definition varies by state. Although the above list provides a good description of the important features of the Short Term Medical plan, it is not the insurance contract and only the actual contract defines coverage. Exclusions may vary by state, 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.