| Assurant
Temporary Health Insurance coverage can protect you in the event of an unexpected illness
accident or injury. This plan allows you to choose your doctors and hospitals and pays for all covered expenses once your deductible and coinsurance amounts have been met.
First, you pay your deductible, next Assurant Health pays 100%, 80%, 50%
of the next $10,000 (this is called your coinsurance). Once your
deductible and coinsurance are paid, Assurant Health pays 100% up to the
policy limits of $2 Million. Plus, if you choose a $500 or greater
deductible, only one deductible needs to be satisfied for your entire
family.
Short Term Health Insurance - Summary of Coverage
How This Plan Works
Short Term Medical is simple, flexible and affordable. You choose the
policy that best meets your needs and budget by selecting from the
features below. You can even apply and purchase online and be covered
as early as the next day!
Design the Plan That's
Right for You
| |
6 Month Plan
|
12 Month Plan
|
| Length
of Coverage |
30
- 185 days
Up to 6 monthly payments |
186
- 365 days
Up to 12 months payments |
Deductible
Amount you pay toward covered expenses
before the plan pays benefits |
$0,
$250*, $500, $1,000, $2,500
Only one deductible needs to be satisfied
for the plan.
*For
the $250 deductible only –
each family member needs to satisfy the deductible (up to a
maximum of three deductibles) |
$0,
$500, $1,000, $2,500, $5,000
Only one deductible needs to be satisfied
for the entire family.
|
Rate
of Payment (Coinsurance)
Percentage of covered expenses we pay after the deductible |
100%,
80%, 50%
The 100% option is available with the
$500 and higher deductible options.
The 80% option is available with the $250
- $2,500 deductible options.
The 50% option is available with the $0 -
$2,500 deductible options. |
80%,
50%
The 80% is available with the
$500 and higher deductible options. |
Lifetime
Benefit Maximum
The total maximum amount the plan pays |
$2
million
$5 million |
$2
million |
* The 12-month Short
Term Medical plan is not available in most states. This Web site will only
provide you with the ability to purchase plans available in your area.
- Rate of payment (coinsurance)
options: 100%, 80/20, 50/50 (may vary by state)
Note: The 100% rate of payment
option (not available in all states) is only available for 6-month plans
with deductibles of $500 or greater.
- Lifetime Maximum Benefit is the
total benefit that can be paid out over the lifetime of the policy
(effective dates of the policy). You may choose to increase your
Lifetime Maximum Benefit by upgrading your policy at the time of
enrollment/purchase.
How the
Prescription Drug Card Works
Get savings and simplicity with STM prescription drug card
This Short Term Medical (STM) plan provides coverage for prescription
drugs. Just present your prescription card, which is now conveniently
part of your ID card, at a participating pharmacy, and you may
receive additional savings. And, you won't have to send in any drug claim
forms - it's done automatically for you when you use a participating
pharmacy.
Get the most from your STM prescription drug card
Present your prescription drug card, which is now conveniently part of
your ID card, at a participating pharmacy, you may receive
additional savings. Look at the real-life savings examples below for some
commonly used prescriptions and see what you could save when you use your
Short Term Medical (STM) prescription drug card.
|
Drug
|
Strength and
quantity
|
Retail price
|
Price using
card
|
Percentage
savings
|
| Lipitor |
10 mg, qty 30 |
$96.99 |
$69.99 |
28% |
| Levaquin |
500 mg, qty 10 |
$145.99 |
$98.79 |
32% |
| Nexium |
20 mg, qty 30 |
$179.99 |
$125.89 |
30% |
| Singulair |
10 mg, qty 30 |
$124.99 |
$88.24 |
29% |
| Zyrtec |
10 mg, qty 30 |
$83.99 |
$56.59 |
33% |
Retail pricing based on Walgreen's Pharmacies
in Milwaukee and Oconomowoc, Wisconsin, June 6, 2007. Pricing examples are
for illustration purposes only. Prices are subject to change without
notice and may vary by region. Payment must be made at the time of service
to receive discount. Prescription drug savings do not guarantee
benefits under your Short Term Medical plan.
 The following general summary of features on
Assurant Health's
Temporary Health Insurance 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 Health Insurance 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 Assurant Temporary Health Insurance 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.
- Covered charges incurred for rental (not to exceed the purchase price) of one basic manual wheelchair, one basic hospital bed, one pair of basic crutches, the
initial permanent basic artificial limb or eye and oxygen and the basic equipment needed to administer oxygen; and the initial external breast prosthesis needed because of the medically
necessary surgical removal of all or part of the breast, provided the surgical removal was done while the covered person was covered under the plan.
- Covered charges incurred for reconstructive surgery required due to an injury which occurred while the covered person is insured under the plan.
- Covered charges incurred for surgical treatment of temporomandibular joint (TMJ) or craniomandibular joint (CMJ) dysfunction, provided the charges are for
services included in a dental treatment plan authorized by Assurant Health prior to the surgery; charges for nonsurgical treatment of TMJ or CMJ.
- Covered charges incurred for the following complications of pregnancy: spontaneous termination of pregnancy (miscarriage) which occurs before the 26th week of
gestation; missed abortion (miscarriage); ectopic pregnancy when pregnancy is ended; and other medical conditions such as acute nephritis, nephrosis and cardiac decompensation.
- Covered charges incurred for the following organ transplants: heart, liver, and bone marrow. Tissue transplants include: cornea transplant; prosthetic tissue
replacement, including joint replacement; vein or artery graft; heart valve replacement; and implantable prosthetic lens in connection with cataracts. The maximum amount we will pay for any
and all organ transplants is limited to $250,000 for the covered person during his or her lifetime.
- Covered expense incurred for the treatment of AIDS, AIDS Related Complex (ARC) or related immuno deficiency disorders.
Extension of Benefits: When the benefit period expires, coverage may be extended for a continuous injury sustained or sickness which
commenced while the policy was in force and for which a covered person is then being treated. The extension of benefits provision will apply when:
- The covered person receiving treatment remains totally disabled beyond the benefit period expiration date and is under the care of a physician for the disability
during the benefit period.
- The covered person who has met his or her deductible during the benefit period and is being treated for complications of or needs follow-up treatment for an
injury sustained or sickness which commenced during the benefit period.
Although the above provides a good description of the important features of
this Short Term Medical plan, this is not the insurance contract and only the actual
contract defines coverage. Benefits 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. |
