Coverage can be purchased for as few as 30 days or up to 12
months. A new policy can be purchased to extend the coverage
for a second term in most cases. Keep in mind that each extension
is a new policy and won't cover conditions treated by the previous
coverage. Coverage ends with the current term unless hospitalized
or disabled. You can send the full premium with the application
or choose a convenient monthly payment option. You can pay by
check or a credit card.
Short Term Medical is designed to provide coverage for major
hospital, medical and surgical expenses incurred as a result of
medically necessary care for a covered illness or injury.
Coverage is generally provided for daily hospital room and board,
miscellaneous hospital services, surgical services, anesthesia
services, in-hospital services, and out-of-hospital care, subject
to any deductibles or rate of payment provisions or other
limitations which may be set forth in the policy. Each plan has
unique benefit designs and it is recommended that you refer to
company literature for a more complete description of coverage.
How Amigo Short Term Medical Plan Coverage Works
Plan benefits are subject to the deductible and coinsurance
with the exception of visits to an urgent care center. The
deductible is waived when you receive care at an urgent care
center; and instead you pay a $50 copay after which coinsurance
applies. An urgent care center means a facility separate from
a hospital emergency department where patients can be
immediately treated for injury or sickness on a walk-in basis
without an appointment.
The Amigo Short Term Medical Plan covers the following expenses:
After the deductible amount you selected has been met, the plan will
pay eligible expenses according to the coinsurance selected up to the
maximum of your certificate, per covered person, per coverage period.
Benefits are based on usual and customary charges of the geographical
area in which the charges are incurred.
Inpatient and outpatient charges made by a hospital,
including inpatient prescription drugs
Charges incurred at an urgent care center (except for co-payment)
Charges made by a physician, surgeon, radiologist, anesthesiologist,
and any other medical specialist to whom the physician has referred the case
Charges made for dressings, sutures, casts or other supplies
prescribed by the attending physician or specialist, but excluding
nebulizers, oxygen tanks, diabetic supplies and all devices for repeat
use at home
Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
Charges for oxygen and other gases and anesthetics and their administration
Charges made by a licensed extended care facility upon direct
transfer from an acute care hospital
Emergency local ambulance transport in connection with injury or sickness resulting in inpatient hospitalization
Expenses related to complications of pregnancy
Charges for physical therapy that is prescribed in advance by a physician in relation to a covered injury or sickness
Assurant Health Time Insurance
Options available include a higher lifetime maximum, term life
insurance and accident medical expense coverage.
$2 million coverage maximum per policy period
Freedom to choose your own doctors and hospitals
Prescription drug coverage
Excellent in-hospital and outpatient benefits
Semiprivate room and board
Intensive care
Lab and x-ray
Ambulance service
Managed care/pre-authorization procedure
Maximum family deductible equal to three times your individual deductible amount
Extension of Benefits* - up to 12 months if totally disabled
Extension of Benefits Plus* - 60 day/$1,000 benefit for non-disabling conditions
No association fees
* Coverage may be extended beyond your coverage period.
See your certificate for details.
Additional Savings:
You can reduce your medical bills by using
the doctors and hospitals participating
in PHCS.
Reapplying for Coverage:
You can reapply for coverage only after a 6 month break in coverage.
5 year pre-existing condition exclusion. exclusion.
Secure STM - Standard Security Life Insurance Company of NY
from Health Plan Administrators (HPA)
After satisfying the deductible amount you’ve selected, Secure STM
will pay the coinsurance you selected for covered expenses, for up
to a lifetime maximum of $2 million per insured person per coverage
period.
Hospital Charges: Average semi-private room rate, medical care and treatment
Outpatient Hospital or Ambulatory Surgical Center charges
Physician Services: For treatment and diagnosis
Surgeon Services: In the hospital or Ambulatory Surgical Center
Assistant Surgeon Services: Up to 20% of the surgeons benefit
Anesthesia Services: Up to 20% of the surgeons benefit
Intensive Care: Up to three times the average semi-private room rate
X-Ray Exams, Laboratory: tests and analysis
X-Ray and Radioactive: isotope therapy, anesthesia, oxygen, casts,
splints, crutches, braces, surgical dressings, artificial limbs or eyes,
rental of medical supplies
Blood: Blood derivatives and their administration
Ambulance Services: $250 per emergency
Organ Transplants: $150,000 lifetime maximum
Acquired Immune Deficiency Syndrome (AIDS): $10,000 lifetime maximum
