High Deductible/ Basic Plans
Health Savings Account Plans
Prescription Drug Plans
Short Term Medical Plans
Dental Plans
Life Insurance
Financial Services LTC
Disability Insurance
| $1,000,000 Short Term Medical Plans -- Between jobs or out of work -- Finished with school -- Retired early -- Waiting for other coverage -- A student no longer under your parents' insurance plan Optional Periods of Coverage 1 - 4 months Deductible Amounts Available $250, $500, $1,000, $1,500 This is how benefits are calculated with the stated deductible First, you pay the stated deductible for each illness or injury. Then the insurance company pays 80% of the next $5,000 of covered expenses. Then the insurance company pays 100% of remaining covered expenses. 12-month extension of benefits If a covered person is hospital-confined during the certificate term, benefits can be paid for up to 12 months after confinement for that illness or injury. 60-day extension of benefits Benefits can be paid for up to 60 days after the end of the certificate term for an illness or injury, provided the deductible is met for that illness or injury during the certificate term. Deductible and Benefit Period per Condition For each condition (illness or injury), you will have a deductible and a maximum benefit period. A benefit period begins when you are hospital-confined or meet the full amount of the deductible for an illness or injury during the certificate term. You may have more than one benefit period running at a time if you have more than one illness or injury for which you are hospital-confined or have met the full amount of the deductible. Group -- Coordination of Benefits If, after coverage is issued, a covered person becomes insured under a group plan, benefits will be determined under the Coordination of Benefits (COB) clause. COB allows two or more plans to work together so that the total amount of all benefits will never be more than 100 percent of allowable expenses during any calendar year. COB also takes into account medical coverage under auto insurance contracts. Dependents Under your Short Term certificate, you may also insure your spouse, your natural or adopted children, and your spouse's natural or adopted children. All children applying for insurance must be unmarried, living with you, financially dependent on you for support, and either: (1) under 19 years of age; or (2) under 23 years of age and attending an accredited vocational school, college, or university as a full-time student. Limitations Diagnosis or treatment of mental or nervous disorders, including mental incapacity and substance abuse, will be limited to a maximum of $3,000 per covered person, per benefit period. Outpatient diagnosis or treatment of mental or nervous disorders will be further limited to $50 per visit. Expenses relating to diagnosis or treatment of any spine or back disorders will be limited to $50 per visit and to no more than six visits in any three-month period. |
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