Arizona
Short Term Health Insurance Options***
Start coverage tomorrow for for a period of 30 days to six months *** Temporary
short-term health insurance is a good option for people who are looking for low-cost
health insurance while between permanent policies. Short term medical policies
offer lower premiums than permanent policies, but can only be held for a maximum
of six months at a time.
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Colorado
Short Term Health Insurance
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| Short
Term Temporary Insurance Rates and Application
At eAZHealthInsurance
,
we represent many companies, and search through the competition in order to
find our clients the best coverage at the lowest rates possible. The lowest
rates if you wish to pay monthly are with Assurant / Time Insurance.
You can get an Instant
Quote, and securely Apply
Online. Here
are some of the features of the Assurant plan that stand out:
- Prescription drug
card - All Assurant Health short-term customers receive a prescription drug
card providing substantial savings on many prescriptions and automatic claims
submission from participating pharmacies.
- One-time
deductible - only one deductible per policy period, regardless of the number
of claims. Many other plans provide for per-cause deductibles.
- Next-day
coverage – you can apply by paper or online and receive coverage as early
as the next day.
- Customers
choose your own doctors and hospitals - Assurant Health plans guarantee
that you can keep your primary care physicians. Some other plans charge a penalty
if you visit a provider outside the insurer’s network.
- Coverage
for exactly as long as you need it - You can choose the exact number of
days you want to be insured. Some other companies sell whole months of coverage
only.
- Greater
lifetime maximum - Assurant Health STM plans allow for a lifetime maximum
of $2 million or $5 million, compared to $1 million for most other short-term
plans.
How
Temporary Coverage Works
With temporary,
or short-term medical insurance, you choose a deductible of $0, $250, $500,
$1000, or $2500. After your deductible, the plan pays 80% (or 100%, if
that plan is chosen) of all covered expenses (including doctor visits and prescription
drugs) up to $5000, and 100% thereafter up to a lifetime maximum of either $2
million or $5 million on the six month plan, or $1 million or $2 million on
the 12-month plan. There
is also a 100% plan available with a $1,000 or $2,500 deductible. One
family deductible: if the $1,000 or $2,500 deductible is selected, only one
deductible needs to be satisfied by all covered family members. The
length of coverage option on a six-month plan is from 30 to 185 days. The length
of coverage option on a 12-month plan is from 30 to 365 days. Short
term health insurance is non-renewable. However, after six months
you may apply for an additional temporary policy if 1) no claims were incurred
under a previous policy, 2) there has been no significant change in health.
The actual
policy itself sets forth in detail the rights and obligations of both you and
the insurance company.
Optional
Benefits
You may also
gain additional peace of mind by adding any of the following three optional
benefits to your Time Short Term Medical Plan - Accident Medical Expense,
Term Life Insurance, or the Dental-Vision Savings Plan. Accident
Medical Expense This
optional benefit can be added to give you first dollar coverage in the event
of an accident. This pays 100% up to the amount of your deductible for
treatment of any accidental injury before any co-payments, deductible, or coinsurance
is applied. Treatments must occur within 90 days of the accident. If
this rider is selected, all family members on the policy are covered. Term
Life Insurance You
can choose an optional $25,000 term life insurance benefit that lasts the duration
of your Short Term Medical Plan. Coverage can be obtained for any primary
insured over the age of 18, and their spouse, up to age 63 ½, as long
as both are covered on the Short Term policy. No dependent term life coverage
is available. Dental-Vision
Savings Plan This
discount program can be added to Short Term Medical Plans in the following states
- Alabama, Arizona, Colorado, Illinois, Louisiana, Ohio, Oklahoma, Pennsylvania,
Tennessee, and Arizona. Simply present your card to a participating
dental or vision provider to receive discounts up to 50% on almost all dental
services, eyeglasses, contact lenses, and other retail items available through
a network of more than 24,000 dentist and 9,000 eye care professionals nationwide.
Discounts vary by providers. This
discount plan, which costs a family just $9.95 per month, also provides members
with 25% to 50% discounts from a catalog of vitamin and nutritional supplements.
Eligibility
Requirements
Who is eligible
for temporary health insurance coverage: -
Healthy individuals between the ages of 15 days and age 64 and 11 months
- Dependent
children through age 20 (age 24 if full-time student) may be covered as dependents
on parents' plan
- Foreign
residents living in the U.S. for at least one year with proof of Alien Registration
Receipt Card, Green Card, Visa or other appropriate documentation
Who
is not eligible for temporary coverage:
- Persons
who would be declined for an Individual Medical policy
- Persons who
will turn 65 or become eligible for Medicare during the benefit period
- Persons who
are pregnant
- Persons seeking
coverage while traveling outside of the U.S. (click here for International
Medical Insurance)
- Persons engaging
in hazardous activities, sports or occupations
- Persons previously
declined by another carrier
No
HMOs or PPOs
With short
term health insurance plans, you can visit the doctor or hospital of your choice.
No referrals are needed, and no out-of-network penalties are incurred.
Some plans, though, do have networks which will enable you to reduce your medical
bills by going to doctors or hospitals that are part of the network.
eAZHealthInsurance
is an independent authorized Assurant agent in Arizona. | 
