Licensed to Serve all of Arizona
directly from the Assurant Insurance Co. Site
Acrobat form to print and mail or fax
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Licensed to Serve all of Arizona |
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directly from the Assurant Insurance Co. Site Acrobat form to print and mail or fax |
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How long can I be covered? You can get coverage for as few as 30 days or as many as 185 days Who is eligible:
Who is not eligible:
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 within a few days!
** For these options, only one deductible needs to be satisfied by all covered family members.
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. Additional Savings You can reduce your medical bills by using the doctors and hospitals participating in PHCS Healthy Directions. Simply call PHCS at 1-800-357-6847 or visit them on the web at www.phcs.com to verify that your doctor or hospital is part of the PHCS Network. When using the web, click on "Find a Provider", then "Start New Search". Under Step #2, choose Healthy Directions/Access Advantage from the drop down menu. At the time of service, present the letter provided by your agent or present your medical identification card with the PHCS logo on it and your provider will bill you at the reduced network rate for services. 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 185 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 185 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. If you pay your initial payment by:
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:
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 and administration fee apply, the fees are 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. | ||||||||||||||||
| What's Covered? |
| Short Term Medical insurance is designed to protect you and your family from the high cost of unexpected illnesses and injuries. |
| Our temporary medical insurance plans let you choose your own doctors and hospitals and pay for all covered medical expenses once your deductible, coinsurance and, where applicable, co-payment amounts have been met. Short Term Medical insurance covers major hospital, medical and surgical expenses incurred as a result of medically necessary care for a covered illness or injury* up to a policy maximum of $2 million**. Covered Medical Services
*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 illness or injury; 3) incurred for medically necessary care; and 4) incurred while this policy is in force. **$2 million lifetime maximum on policies up to 6 months in duration Although the above provides a summary of covered medical services, this is not an 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. Once you receive your Short Term Medical policy, please read it carefully. |
| Plan Limitations |
| Short Term Medical insurance is designed to protect you in the event of an unexpected illness or injury. Because of this, coverage for preventive care, physicals immunizations, dental or eye care are not covered. Plan Exclusions While policies vary by state, the following general summary outlines expenses that are not covered by this temporary health insurance plan.
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