• Between jobs
• Waiting for other coverage to start
• No longer covered on parent’s plan
• During college or after graduation
• Other short–term coverage needs

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

Options available for this short term health insurance 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.

Reapplying for Coverage:
You can reapply for short term health insurance coverage only after a 6 month break in coverage.

5 year pre–existing condition exclusion.

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
• Mammography, pap smears and screens

Reapplying for Coverage:
Unlimited re’applies.

5 year pre–existing condition exclusion.

Inpatient and Outpatient Plan Highlights

Covered Hospital Charges

• Hospital room and board, intensive care, surgery, anesthesia
• Emergency room services
• Physician visits, miscellaneous diagnostic services and medical supplies, nursing care
• Prescription drugs while confined
• Organ transplants, as provided in the policy

Covered Outpatient Charges

• Pre–admission testing, ambulance
• Surgery and anesthesia, second surgical opinion, physician services, mammogram
• Physical, occupational and speech therapies ($1,000 per term)
• X–ray and lab tests, chemotherapy, radiation treatment
• Hospital–type equipment for kidney dialysis, home health care
• Oxygen, blood and plasma, durable medical equipment
• Skilled nursing facility ($75/ day, 30 days per term)
• Diabetes treatment, prescription drugs and devices
• Breast Cancer screening, complications of pregnancy

Other plan highlights

• Freedom to choose your own hospitals and physicians, discount prescription drug card
• $10,000 Accidental Death and Dismemberment Benefit for you or your spouse only, including dismemberment and loss of sight

Short Term Application (PDF)
Short Term Brochure (PDF)

You will be well–taken care of at HumanaOne. Every step of the way has been designed to provide you with a simple and hassle–free experience. Friendly customer care. Receive prompt service every time you need answers on benefits, payments, and claims.

Personal Website. Log in to "MyHumana" at Humana.com, and you can manage your plan, locate in–network providers, track medical expenses and review the status of a claim.

Your satisfaction is important. If you’re not completely satisfied with your plan for any reason, you can call and cancel your policy within 10 days of receiving it for a full refund on your premium. Application fees are not refundable.