Time Insurance Short Term Health Insurance Quotes


                                                                                                                                    
                               











                                                                                             
 
 
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Short Term from Time I Student Medical

Time Short Term Health Insurance

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Time Individual Health Insurance Quotes I About Time Insurance Company
About Time Individual Health Insurance Products
Short Term Medical Overview

Here’s how to use Assurant Health STM’s advantages over Anthem VA’s Short Option plan.

•

Prescription drug coverage

Assurant Health STM customers enjoy coverage of prescription drugs (charges apply toward deductible) and a drug card for instant savings on prescriptions and automatic claims submission from participating pharmacies. Anthem VA does not offer a prescription drug savings card.

•

Customers choose their own doctors and hospitals

Assurant Health STM plans guarantee that customers can choose their own primary care physicians and hospitals with no penalty. When customers of Anthem VA use doctors or hospitals outside the network, they must pay all amounts that exceed Anthem VA’s stated allowable amount.

•

Coverage for exactly as long as customers need it

With Assurant Health STM, customers can choose the exact number of days they want to be insured. Anthem VA customers must pay for coverage in monthly increments.

•

More choices in deductibles and coinsurance

Assurant Health STM customers choose one of six deductibles and three coinsurance options. Anthem VA offers only three deductibles and 80% coinsurance.

•

Greater lifetime maximum

Assurant Health STM plans allow for a lifetime benefit maximum of $2 million or $5 million per covered individual. Anthem VA maxes out at $1 million.

•

Payment options

Assurant Health STM customers can pay in a lump sum or month to month. Customers of Anthem VA must make a single payment up front.

Don’t forget about Assurant Health STM’s other attractive features, such as next-day coverage, PHCS network discounts and the ability for customers to choose their own doctors and hospitals.

"I'll only be without coverage for a few months, what could happen?"  "I'm strong and healthy. I don't need insurance. An accident will never happen to me.

No one is immune from unexpected accidents. A temporary health plan can protect you and your family from the high cost of medical care resulting from illnesses or injuries that strike when you are between permanent insurance policies.

How long can I be covered?
You can get coverage for as few as 30 days or as many as 365* days, depending on the state you live in.

* The 12-month Short Term Medical plan is not available in some states. This Web site will only provide you with the ability to purchase plans available in your area.
Who is eligible:

* May vary by state.

Who is not eligible:



How the 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 		 
$250*, $500, $750, $1,000, $1,750, $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)		  
$500, $1,000, $2,500, $5,000 
Only one deductible needs to
be satisfied for the plan.

 

 

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 50% and 80% options are available with the $250 - $2,500 deductible options.		  
80%, 50% 

 

Lifetime Benefit Maximum
The total maximum amount the plan pays 		 
$2 million
$5 million		  
$2 million

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 50% and 80% options are available with the $250 - $2,500 deductible options.		  
80%, 50% 

 

Lifetime Benefit Maximum
The total maximum amount the plan pays 		 
$2 million
$5 million		  
$2 million
 

paid as follows:
 
    You pay the deductible
100% 80/20   50/50
  You pay 20% of the next $10,000 up to a maximum of $2000 for one individual on a policy. For 2 individuals on a policy the maximum is $4000 and for 3 or more the family maximum is $5000.    You pay 50% of the next $10,000 up to a maximum of $5000 for one individual on a policy. For 2 individuals on a policy the maximum is $5000 and for 3 or more the family maximum is $5000. 
    We pay 100% of remaining covered expenses up to the plan 
    maximum  of $2 million for each covered person.

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No HMOs or PPOs

Since Short Term Medical is not an HMO or PPO plan, you can choose your doctors and hospitals. No referrals are needed; no out-of-network penalties are incurred.

Receive Medical Care at Reduced Costs

Your Short Term Medical plan gives you the freedom to choose your own doctors and hospitals. Additionally, you have the ability to reduce your medical expenses by using PHCS Healthy Directions Network providers.

Private Healthcare Systems (PHCS), the largest PPO network in the country, gives you access to medical care at reduced costs through nearly 450,000 providers and over 4,000 facilities.

By taking advantage of the discounted services offered through doctors and hospitals within the PHCS Network, you may receive discounts for covered services that can lower your total medical bills and make your health care dollars go further.

Start saving money today! Check whether your provider is part of the extensive PHCS Network: 
Payment Options

With Short Term Medical, you choose the payment option that's best for your temporary need.

Single Payment - Ideal if you know the exact length of time coverage is needed. The minimum number of days you can purchase is 30 and the maximum is 365* days.

Monthly Payment - Ideal if you are unsure how long you need coverage. This "pay as you go" option lets you continue coverage for as long as needed (up to 365 days*) or stop payments and discontinue the plan whenever you want. You make an initial premium payment for 35 days and subsequent monthly payments for 30 days.

* The 12-month Short Term Medical plan is not available in some states. This Web site will only provide you with the ability to purchase plans available in your area.

If you pay your initial payment by:

  • Automatic credit card and bank account debit - each month, your premium payments will be debited automatically from the account number you provided with your initial payment. Your account will be debited each month until you have reached a total of 6 or 12 months of coverage, depending on the policy you purchase*. If your temporary need ends prior to the 6th or 12th month, call us at 1-800-800-5453 and we will stop the automatic debit. (Please note: 7 days advance notice is required to ensure future debits are stopped.)

  • Check - you will receive coupons via the U.S. Postal Service for all subsequent payments. Each month, mail your check with the coupon to Assurant Health. Each coupon pays for an additional 30 days of coverage. Note: No lapse notices are sent.

* The 12-month Short Term Medical plan is not available in all states. This Web site will only provide you with the ability to purchase plans available in your area.


Payment Methods

You can pay for your Short Term Medical policy by credit card (Visa or MasterCard) or auto bank debit (checking or savings).

When to Choose Short Term Medical
Short Term Medical covers a person for a limited period. If you think you'll need more permanent health coverage, you may want to look at another health insurance option, such as an Individual Medical policy.

Short Term Medical does not cover pre-existing conditions. Because Short Term Medical is designed to cover the unexpected, it does not include coverage for preventive care, physicals, dental or eye care.

The definition of a pre-existing condition varies by state, but in general,
Short Term Medical excludes conditions that have been diagnosed or treated within the previous 5 years. If you have an existing medical condition, you may want to see if extending your current insurance to fill a gap in coverage is an option.
Employer-sponsored insurance can be extended under a government-regulated option called COBRA.

Purchasing an Additional Short Term Medical Plan*  Time Insurance Company's Short Term Medical plan is not renewable.

However, if your temporary need continues beyond your policy period, you may apply for a new plan under the following circumstances:

  • There has been no significant change in your health.

Any previous or current health condition or symptom will be considered a pre-existing medical condition that will not be covered under a new plan. There is no continuous coverage between plans -- therefore your new plan will not provide benefits for any condition or symptom which began during a previous plan. In addition, no benefits are available for any period in which you are not covered by a Time Insurance Company Short Term Medical plan.

To obtain an additional plan, you must complete a new enrollment form. If the enrollment form is approved, a new plan will be issued.

* Varies by state.

Premium Refunds

We are confident that our Short Term Medical plan will satisfy your temporary health insurance needs. If you are not completely satisfied with the plan, you can return it within 10 days of delivery for a premium refund. Where the one-time application fee applies the fee is non-refundable. Simply put your request in writing and fax it to 414-299-6217 or mail it to: Assurant Health, P.O. Box 3175, Milwaukee, WI 53201-3175.
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