Short Term Medical Plans: Flexible Coverage Options
Underwritten by American Financial Security Life Insurance Company, our Short Term Medical Plans offer flexible coverage options to meet your temporary healthcare needs.
Policy maximums from $25,000 to $1,000,000 with various deductible options ranging from $500 to $10,000. Co-insurance options include 50/50 or 80/20 with caps of $2,000 to $10,000. Includes First Health PPO network access.
Traditional Plan
Similar policy maximums and deductible options as the Traditional plan, but with key differences in coverage structure. Both plans offer flexible payment methods for terms up to 364 days.
Elite vs Traditional
Elite plans use a coinsurance model with a $2,500 deductible before cost-sharing. Traditional plans offer defined indemnity-style benefits with daily caps for hospitalization ($1,500) and ICU stays ($2,000).
Surgical and Medical Benefits
Surgical Benefits
Outpatient Hospital Surgery up to $5,000 per day. Surgical Services up to $20,000 per procedure. Assistant Surgeon benefits up to 20% of surgeon's benefit. Anesthesia coverage up to 20% of surgeon's benefit.
Other Covered Expenses
Skilled Nursing Facility coverage up to $500 per day for 60 days per Coverage Period. Home Health Care up to $100 per day for 40 days. Therapy Services up to $100 per session. Durable Medical Equipment covered subject to Deductible and Coinsurance.
Emergency Services
Urgent Care Facility visits with additional Deductible up to $250. Emergency Room visits with additional Deductible up to $500. Ambulance coverage up to $1,000 per trip (Ground) or $2,000 per trip (Air).
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Wellness & Preventive Benefits
Routine Physical Exams
Coverage up to $100 per visit, with 1-2 visits allowed per Coverage Period. These preventive visits help maintain your health and catch potential issues early.
Children's Preventive Care
Comprehensive wellness visits for children up to age 18, following recommended schedules for preventive care to ensure healthy development.
Cancer Screenings
Coverage for essential screenings including mammograms and prostate cancer screening based on medical necessity, helping detect conditions early.
Telemedicine Services
Virtual healthcare consultations subject to your plan's Deductible and Coinsurance, providing convenient access to medical advice.
Exclusions & Limitations
1
Pre-existing Conditions
Conditions within 12 months of coverage are not covered under the policy. This includes any health issue you had before your plan began.
2
Elective & Cosmetic Procedures
The policy does not cover elective procedures or cosmetic surgery that are not medically necessary for your health.
3
Mental Health & Substance Use
Mental health and substance use disorder treatments are not covered unless specifically included in your selected plan.
4
Maternity & Pregnancy
Maternity and pregnancy-related services are excluded from coverage under these short-term medical plans.
5
Work-Related Injuries
Injuries covered under Workers' Compensation are not eligible for coverage through these plans.
Provider Network & Cost Savings
Freedom of Choice
As a policyholder, you can seek care from any provider of your choice, giving you flexibility in your healthcare decisions.
Network Savings
Using a participating network provider reduces your medical costs through pre-negotiated rates, helping your benefits go further.
Consistent Benefits
All plans pay the same dollar amounts regardless of network utilization, ensuring predictable coverage wherever you receive care.
First Health PPO Network
Access to the extensive First Health PPO network provides quality care options across the country.