• Short Term Health Insurance Blog

  • Monday, May 22, 2017

  • Know Exclusions, Save Time: Secure Saver Insurance

    Filed Under: Blogging


Jack Morsen purchased short term health insurance from the Secure Saver plan after he was laid off work. The plan covers expenses related to sudden medical illnesses and injuries, including inpatient and outpatient care, doctor visits, surgery, medical diagnostics, and ambulance services. The plan also covers inpatient prescription drugs.

Jack fell ill with a high temperature and shivering, and was hospitalized for his condition. Thankfully, his Secure Saver plan covered the expenses of his treatment at the hospital. He was out of the hospital in a couple of days, and had scheduled a follow-up visit with the physician at the hospital.

The physician changed his medication a bit, in keeping with his recovery plan. When Jack tried to get his new medication from the pharmacy, he found that he had to pay full charge for the new medication. Thinking it was a clerical error on the part of the pharmacy, Jack submitted a reimbursement claim, which was denied.

The reason? The Secure Saver Short Term Health Insurance plan covers prescription medication for inpatient care, but the minute the patient is out of the hospital, subsequent prescription medication is not covered. As always, it pays to read the fine print of any document you sign, especially health insurance.

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