Description / Exclusions / Application (choose Short-term Health Iinsurance)

Important Information

Coverage limitations. This policy does not provide coverage for pre-existing conditions. Policy benefits are only payable for medical expense incurred while this policy is in effect and while the member is actually covered by this policy, except as specifically provided by the provision for policy term extension while hospitalized. This policy will not continue beyond Medicare eligibility. If the member is covered by Medicare, premium paid for that member will be returned and no benefits will be provided.

Temporary coverage. This short term medical insurance is designed to provide medical coverage on a temporary basis to fill a temporary need. It cannot be renewed and is not intended to replace permanaent coverage. However, if the temporary need continues, you may apply for one new policy within a 12-month period. There is no continuous coverage between policies. Any condition that may have existed or occurred under one policy will be a pre-existing condition under the subsequent policy, and therefore, will not be covered under the subsequent policy.

Exclusions

Some services are limited or excluded from coverage. For a complete list of limitations and exclusions, please review your policy. Once you receive your policy, you have a 10-day free examination period during which you may request a premium refund for this policy if you feel it doesn’t meet your needs. Keeping in mind that Short Term Medical coverage is designed to cover the unexpected, below are some of the services that are excluded from coverage:

• Pre-existing conditions—Any condition (mental or physical) for which a covered individual received medical advice, diagnosis, care, treatment, service, supply, or prescription drug during the 5-year period immediately preceding the policy effective date.
• Prescription drugs for pre-existing conditions
• Routine physicals/exams
• Well baby care
• Maternity care
• Mental health/chemical dependency treatment
• Allergy services

Click here for a full list of exclusions.

Eligibility

• Applicants must be at least 30 days old and less than 65 years old while the policy is in effect.
• Applicants must be a resident of the state in which they are applying for coverage.
• Applicants must be a U.S. resident for at least 6 months.
• Applicants may not be covered under any other health benefit plan or be eligible for a federal Medicare program.
• Applicants and their spouses, domestic partners, and dependents may not be pregnant or responsible for a current pregnancy.
• Applicants may not be an active member of the Armed Services.
• Registered domestic partners are eligible. Domestic partners is defined as two individuals of the same sex who are at least 18 years of age, who are otherwise capable and at least one of whom is a resident of Oregon.

This is only a brief summary of benefits. Please refer to the additional information provided for a further explanation of benefits including limitations and exclusions.