- Freedom to choose your own doctors and hospitals
- Prescription drug coverage
- In-hospital and out-patient benefits
Design the plan that's right for you. . .
- Length of coverage options: Choose anywhere from 30-365 days (with Assurant's short term health insurance plan, you can get 12 months of coverage and pay for it as you use it, one month at a time.)
- Deductible options: $250, $500, $1000, $2500, $5000
- Coinsurance options: 100%, 80/20, 50/50 after deductible
- Lifetime maximum benefit: 1 million or 2 million
PLAN EXCLUSIONS. . .
This temporary health insurance plan does not cover:
Pre-existing conditions (including those not inquired about on the application); dental or optical treatments; routine physical exams; normal pregnancy or childbirth; well child care; expenses incurred outside the United States, its possessions, territories, or Canada. Other exclusions are listed in detail in the policy you will receive when you purchase short term medical insurance.
When does coverage begin?
Your coverage will begin at 12:01 the day of your approved effective date, provided the application received is complete, meets the requirements for acceptance and the full initial premium is received. The approved effective date is the requested effective date on the application once you complete the buy online process.
Two convenient payment options:
Most short term health insurance programs will make the applicant pay the entire amount of the premium for the policy up front. With Assurant health insurance, you get the option of either paying for the entire amount up front, or making a monthly payment.
Single payment option: This is ideal if you know the exact number of days that your coverage is needed. The minimum number of days you may apply for is 30 days, the maximum is 365 days. No refunds are available after the 10-day free look period.
Monthly payment option: If you are unsure of how long you will need coverage, this option would be the best for you. The "pay as you go" option gives you the flexibility to continue coverage for as long as it is needed, or simply stop payments and discontinue the plan once your temporary health insurance need ends.
Pay with either Master Card or Visa, automatic charge to checking account, or by check:
If you pay your initial 35 day premium by MasterCard or VISA, each additional 30 days of coverage will be automatically charged to your account for up to 365 days. If your temporary medical insurance need ends prior to this date, simply call 1-800-800-5453 and the automatic account charge will be stopped. Seven day advance notice is required to ensure future account charges are stopped.
If you choose to pay monthly by the automatic charge to checking account, you must submit the first 35 day premium via check along with a separate voided check. All subsequent monthly payments will be automatically debited from your checking account for up to 365 days. If your short term health insurance needs end prior to this date, simply call 1-800-800-5453 and we will stop the automatic account charge. Seven day advance notice is required to ensure future account charges are stopped.
If you pay your initial 35 day premium by check, you will be sent a sheet of payment coupons shortly after you receive your policy. Each coupon is for an additional 30 days of coverage.
PURCHASING AN ADDITIONAL PLAN:
This short term health insurance plan is not renewable. However, if your temporary health insurance need continues beyond your policy period, you may apply for a new plan under the following circumstances:
- No claims were submitted while covered under a previous short term medical insurance plan, for you or any member of your family who is to be covered.
- 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 our temporary medical insurance plan. To obtain an additional plan, you must complete a new enrollment form.
If you are not 100 percent satisfied with the plan, you may return the policy and identification cards within 10 days of delivery for a premium refund. NO QUESTIONS ASKED!