• Short Term Health Insurance Blog

  • Wednesday, April 26, 2017

  • Temporary Insurance Assures Basic Coverage

    Filed Under: Blogging
Short term health insurance plans can be lifesavers in many situations. It is important that one does not remain uninsured for even a short period of time, because that is not just risky, it can even prove to be problematic when applying for a new health insurance plan.

One of the temporary insurance plans in the market today is the Assurant Short Term Medical plan, which offers coverage for all sudden illnesses. That simply means that pre-existing conditions and pregnancy are not covered.

The plan features three standard choices of deductibles: $500, $1,000 or $2,500. However, a plan holder can request a custom deductible range, and the request is often honored. The coinsurance amount after the first $10,000 of covered expenses is 80/20, which means that the insurance pays 80% of the costs, and the plan holder pays 20% of the costs.

The plan covers inpatient and outpatient care, emergency room care, ambulance services, surgery, prescription drugs, doctor visits for unexpected illnesses, and X-ray and lab charges. The plan also covers organ transplants for up to $100,000, including a maximum of $10,000 for donor expenses. The Assurant plan offers a barebones plan for a low cost.

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