SHORT-TERM MEDICAL INSURANCE

• Eligibility Requirements
• Considerations When Choosing Short-term Medical Insurance
• FAQs

FAQs

Your questions are important to us! If any of your questions are not addressed below, please call or e-mail us and we will get you the information you need.

• How much coverage can I have?
• Can I backdate a Short-term Medical Insurance plan?
• Can I change my deductible?
• What is the definition of a pre-existing condition?
• Do I have the option to select my doctors?
• Does the plan include a dental and optical benefit?
• Is there a drug card?
• Will a routine checkup be covered?

General information

How much coverage can I have?
Length of coverage periods must be a minimum of 30 days and can be a maximum of 185* days. The combined total number of days can not exceed 365 days if more than one plan is issued.

* May vary by state.

Can I backdate a Short-term Medical Insurance plan?
No. Backdating is not allowed.

Can I change my deductible?
Deductible changes cannot be made after your plan is issued.

What is the definition of a pre-existing condition?
A pre-existing condition is defined as 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.

Do I have the option to select my doctors?
This plan is not an HMO or PPO. There are no restrictions on which doctors you may see. You have the freedom to select the doctors and hospitals of your choice.

Does the plan include a dental and optical benefit?
No. This plan is designed to protect you in the event of an illness or injury and is not meant to cover non-accident related dental and optical care.

Is there a drug card?
No. However, prescription drugs are covered under the plan. Prescription drugs require the written prescription of a physician and payment is subject to deductible and coinsurance amounts.

Will a routine checkup be covered?
No. This plan is designed to protect you in the event of an illness or injury and is not meant to cover routine exams and preventive care. Short-term Medical Insurance is for temporary coverage only and therefore does not include most of the benefits a permanent heath plan offers.