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plans may vary.
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plans herein are not intended to be relied upon as legal
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Time Short Term Health
Insurance
 
Get a short term medical
quote >
Short Term Medical Insurance Quotes by Top Rated Companies
are Free
Short
Term from Time
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Student
Medical
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Time Individual Health Insurance Quotes
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About Time Insurance Company
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About Time Individual Health Insurance Products
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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.
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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.
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"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:
-
Persons who would be declined for an
Individual Medical policy.
-
Persons who will turn 65 or become eligible
for Medicare during
the
benefit period.
Persons who are pregnant.
Persons seeking coverage while traveling
outside of the U.S.
Persons previously declined by another
carrier.
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
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6 Month Plan
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12 Month Plan
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Length of Coverage |
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30 - 185 days
Up to 6 monthly
payments |
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186 - 365 days
Up to 12 months
payments |
Deductible
Amount you pay
toward covered expenses before the plan
pays benefits |
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$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) |
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$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 |
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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. |
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80%, 50%
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Lifetime Benefit Maximum
The total
maximum amount the plan pays
|
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$2 million
$5 million |
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$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. |
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80%, 50%
|
Lifetime Benefit Maximum
The total
maximum amount the plan pays
|
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$2 million
$5 million |
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$2 million
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paid as
follows:
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You pay the deductible
|
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100% |
80/20 |
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50/50 |
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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.
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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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Get a short term medical quote
>
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:
- 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:
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.
Get a short term medical
quote >
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