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Temporary Insurance

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Short Term Medical Overview

 

•Temporary health insurance for healthy people

 
  •Coverage for 1 to 12 months  
  •Coverage as early as the next day  

Designed For People In These Situations

  Waiting periods Layoffs/downsizing  
  Job changes Exiting employees  
  No longer on parents’ policy New Grads  
  Temporary employees Part-Time employees  
  Seasonal employees    

Benefits

  Up to $2 million in coverage Rx drug card  
  Freedom to choose doctors and hospitals Wide variety of options  
  Rx drug coverage customize a plan for your needs  

Who is Not Eligible?

People Who:

  Have been denied insurance due to any health reasons that are still present
Are pregnant, an expectant parent, in process of adopting or undergoing infertility treatment
Are over 300 lbs. if male, over 250 lbs. if female
Have seen a healthcare professional for any reason other than preventive care in the last 30 days
Answer “yes” to any medical question on application 		 

Assurant

Amigo
   

Advantages

Advantages

One family deductible

Choose any Dr or Hospital No out of network penalty

100% coinsurance option on plans up to six months in duration

Do not have to be US citizen or established residency

Electronic policy delivery

Electronic policy delivery

Coverage duration—exact number of days and up to 12 months

Coverage duration—exact number of days up to 12 months.

Extension of benefits

Unlimited number of renewals

•Optional benefits
• Life Insurance
• Accident Medical Expense (AME)    
• Dental Vision Discount Plan

Product Comparison

Feature

Plans up to Six Months

Plans up to
12 Months

Lifetime Maximum

$2 million

Deductible Choices*

1 deductible per
Family

$500
$1000
$2,500

Extension of Benefits

Up to 12 months if   totally disabled)

Up to 90 days if   totally disabled

 

Coinsurance Options*

100/0
80/20
50/50

80/20
50/50

 

Individual Out of Pocket Max (coinsurance)

$0 for 100%
$2,000 for 80%
$5,000 for 50%

$2,000 for 80%           

Individual stop loss

Ded + Coins
$10,000 max

Transplant Benefits

$100,000

Urgent Care Copay

 

 

PreEx Period Florida

60 months

Product Comparison

Feature

Plans up to Six Months

Plans up to 12 Months

Lifetime Maximum

$1million or $2million

Deductible Choices*

3 deductibles per Family

$250
$500
$1000
$2,500
$5000
$7500

$500
$1000
$2,500
$5000
$7500

Extension of Benefits

 

Up to 90 days if   totally disabled

 

Coinsurance Options*

80/20
50/50

 

Individual Out of Pocket Max (coinsurance)


$1000 for 80%
$2500 for 50%

Individual stop loss

Ded + Coins
$8500 max

Transplant Benefits

 

 

Urgent Care Copay

$50.00 copay
+ Coins Ded waived

PreEx Period Florida

60 months

 

 

Freedom to choose doctors and hospitals—not HMO or PPO

Freedom to choose doctors and hospitals—not HMO or PPO

Discounted medical prices through PHCS Provider Network

Discounted medical prices through Hygeia Provider Network

Prescription drug coverage and discount card

Caremark Prescription drug discount card

Payment Options•Single payment
•Monthly payment
•Check, money order, Credit Card
•Auto check or savings debit (ACH)

Payment Options•Single payment
•Monthly payment
•Check, money order, Credit Card (Online apps Credit card only)

Click on the Logo for Details, Quote, & Apply

Plan Exclusions

  •Pre-existing conditions
•Maternity
•Routine dental and vision
•Routine physical exams
•Mental illness and substance abuse
•Coverage outside the U.S./Canada 		 

Excluded Hazardous Occupations and Activities

Coverage is not available for injuries received while engaging in any hazardous occupation or activity, such as:

•Interscholastic sports
•Parachute jumping
•Hang gliding
•Bungee jumping
•Flight in an aircraft other than a regularly scheduled flight by an airline
•Racing any motorized or non-motorized vehicle
•Rock or mountain climbing
•Any hazardous occupation where the insured is paid to participate or paid to be an instructor