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Indiana Short Term Health Insurance

A Short Term Medical Plan is temporary medical insurance that provides comprehensive protection against unexpected health care health care expenses. Policies can be purchases from 30 days up to 1 year. The application process is simple with only a few qualifying questions to answer and coverage can begin as early as the next day.

Short Term Medical Insurance is perfect for individuals who are:

unitedhealthone

The United HealthOne short-term medical plans allow you to choose your doctors and hospitals and pays for all covered expenses once your deductible and coinsurance amounts have been met. First, you pay your deductible, next United HealthOne Health pays 100%, 80%, 50% of the next $10,000 (this is called your coinsurance).

Once your deductible and coinsurance are paid, United HealthOne pays 100% up to the policy limits of $1 or $1.5 Million.

Overview

The United HealthOne short-term medical plan allows you to choose your doctors and hospitals and does not limit you to in-network providers. It pays for all covered medical, hospital, and surgical expenses once your deductible and coinsurance amounts have been met. This includes physician services, prescriptions, X-ray, laboratory services, inpatient hospital stays, inpatient and outpatient hospital surgeries, anesthesia services, skilled nursing facility care and rehabilitation up to a lifetime maximum of $2 million.

How it Works

First, you pay your deductible, next Assurant Health pays 100%, 80%, 50% of the next $10,000 (this is called your coinsurance). Once your deductible and coinsurance are paid, Assurant Health pays 100% up to the policy limits of $2 Million. Plus, if you choose a $500 or greater deductible, only one deductible needs to be satisfied for your entire family.

United HealthOne Short Term Plan Options

Benefit 6 Month Plan 12 Month Plan Short Term Medical Copay Short Term Medical Plus
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Length of Coverage 1-11 months
Up to 6 monthly payments
1-11 months
Up to 12 months payments
1-11 months
Up to 6 monthly payments
1-11 months
Up to 12 monthly payments
Deductible
Amount you pay toward covered expenses before the plan pays benefits
$1,000, $2,500, $5,000, $10,000
Only one deductible needs to be satisfied for the plan.


*For the $250 deductible only-
each family member needs to satisfy the deductible (up to a maximum of three deductibles)
$1,000, $2,500, $5,000, $7,500, $10,000
Only one deductible needs to be satisfied for the entire family.
$1,000, $2,500, $5,000, $7,500, $10,000
Only one deductible needs to be satisfied for the entire family.
$1,000, $2,500, $5,000, $7,500, $10,000
Only one deductible needs to be satisfied for the entire family.
Rate of Payment (Coinsurance)
Percentage of covered expenses we pay after the deductible
100%, 80%, 50%

The 100%, 80%, and 50% option are available with the $250, $500, $1,000, $2,5000, and $3,500 deductible options.

80%, 50%

The 80% and 50% are both available with the $2,500 and $5,000 deductible options.
80%, 50%

The 80% and 50% are both available with the $1,000, $2,500, $5,000, and $7,500 deductible options.
80%, 50%

The 80% and 50% are both available with the $2,500, $5,000, and $7,500 deductible options.
Out-of-Pocket Maximum
The amount of money an individual pays toward covered hospital and medical expenses. Does not include deductible
For the 100% option, the out-of-pocket is $0.

For the 80% option, the out-of-pocket maximum is $2,000 for one individual. ($4,000 for 2 individuals, and $5,000 for 3 or more individuals)

For the 50% option, the out-of-pocket maximum is $5,000 for one individual. (It is also $5,000 for 2 or more individuals)
For the 80% option, the out-of-pocket maximum is $2,000 for one individual. ($4,000 for 2 individuals, and $5,000 for 3 or more individuals)

For the 50% option, the out-of-pocket maximum is $5,000 for one individual. (It is also $5,000 for 2 or more individuals
For the 80% option, the out-of-pocket maximum is $4,000 for one individual. ($8,000 for 2 individuals, and $12,000 for 3 or more individuals)

For the 50% option, the out-of-pocket maximum is $10,000 for one individual. ($20,000 for 2 or more individuals
For the 80% option, the out-of-pocket maximum is $6,000 for one individual. ($12,000 for 2 individuals, and $18,000 for 3 or more individuals)

For the 50% option, the out-of-pocket maximum is $15,000 for one individual. ($30,000 for 2 or more individuals
Prescription Drugs Covered Covered Not Covered Not Covered
Lifetime Benefit Maximum
The total maximum amount the plan pays
$2 million $2 million $2 million
Outpatient servcies limited to $2,000
$2 million
Outpatient servcies limited to $2,000

Prescription Coverage

Prescriptions are covered under Assurant short term medical plans, but there is no copayments. When you present your STM prescription card, which is part of your ID card, at a participating pharmacy, you will receive a negotiated disounted and then will be subject to deductible and coinsurance amounts. Below are some real-life savings examples of some commonly used precriptions with the Short Term Medical prescription drug card.

Short Term Medical Prescription Drug Card Discounts

Drug
Strength and
quantity
Retail price
Price using
card
Percentage
savings
Lipitor 10 mg, qty 30 $96.99 $69.99 28%
Levaquin 500 mg, qty 10 $145.99 $98.79 32%
Nexium 20 mg, qty 30 $179.99 $125.89 30%
Singulair 10 mg, qty 30 $124.99 $88.24 29%
Zyrtec 10 mg, qty 30 $83.99 $56.59 33%

Retail pricing based on Walgreens Pharmacies in Milwaukee and Oconomowoc, Wisconsin, June 6, 2007. Pricing examples are for illustration purposes only. Prices are subject to change without notice and may vary by region. Payment must be made at the time of service to receive discount. Prescription drug savings do not guarantee benefits under your STM plan.

Payment Options

Most short term health insurance programs will make the applicant pay the entire amount of the premium for the policy up front. With Assurant health insurance, you get the option of either paying for the entire amount up front, or making a monthly payment.

Single payment option: This is ideal if you know the exact number of days that your coverage is needed. The minimum number of days you may apply for is 30 days, the maximum is 365 days. No refunds are available after the 10-day free look period.

Monthly payment option: If you are unsure of how long you will need coverage, this option would be the best for you. The "pay as you go" option gives you the flexibility to continue coverage for as long as it is needed, or simply stop payments and discontinue the plan once your temporary health insurance need ends.

You can pay with either Visa or Master Card, automatic charge to a checking account, or by check.

If you pay your initial 35 day premium by MasterCard or VISA, each additional 30 days of coverage will be automatically charged to your account for up to 365 days. If your temporary medical insurance need ends prior to this date, simply call 1-800-800-5453 and the automatic account charge will be stopped. Seven day advance notice is required to ensure future account charges are stopped.

If you choose to pay monthly by the automatic charge to checking account, you must submit the first 35 day premium via check along with a separate voided check. All subsequent monthly payments will be automatically debited from your checking account for up to 365 days. If your short term health insurance needs end prior to this date, simply call 1-800-800-5453 and we will stop the automatic account charge. Seven day advance notice is required to ensure future account charges are stopped.

If you pay your initial 35 day premium by check, you will be sent a sheet of payment coupons shortly after you receive your policy. Each coupon is for an additional 30 days of coverage.

Purchasing an Additional Plan

Assurant short term health insurance plans are not renewable. However, if your temporary health insurance need continues beyond your policy period, you may apply for a new plan under the following circumstances:

unitedhealthone
FREE Online Quote

The United HealthOne short-term medical plans allow you to choose your doctors and hospitals and pays for all covered expenses once your deductible and coinsurance amounts have been met. First, you pay your deductible, next United HealthOne Health pays 100%, 80%, 50% of the next $10,000 (this is called your coinsurance).

Once your deductible and coinsurance are paid, United HealthOne pays 100% up to the policy limits of $1 or $1.5 Million.

Benefit 6 Month Plan 12 Month Plan HSA Saver Limited Benefit
6 Months
HSA Saver Limited Benefit

12 months

Get Quote Get Quote Get Quote Get Quote
Length of Coverage 30 – 185 days
Up to 6 monthly payments
186 – 365 days
Up to 12 months payments
30- 185 days
Up to 6 monthly payments
186- 365 days
Up to 12 monthly payments
Deductible
Amount you pay toward covered expenses before the plan pays benefits
$1,000, $1,500, $2,500, $5,000, $10,000
Only one deductible needs to be satisfied for the plan.

$1,000, $2,500, $5,000, $7,500
Only one deductible needs to be satisfied for the entire family.
$1,000, $2,500, $5,000, $7,500
Only one deductible needs to be satisfied for the entire family.
$2,500, $5,000, $7,500
Only one deductible needs to be satisfied for the entire family.
Rate of Payment (Coinsurance)
Percentage of covered expenses we pay after the deductible
100%, 80%, 50%

The 100%, 80%, and 50% option are available with the $250, $500, $1,000, $2,5000, and $3,500 deductible options.

80%, 50%

The 80% and 50% are both available with the $2,500 and $5,000 deductible options.

80%, 50%

The 80% and 50% are both available with the $1,000, $2,500, $5,000, and $7,500 deductible options.

80%, 50%

The 80% and 50% are both available with the $2,500, $5,000, and $7,500 deductible options.

Out-of-Pocket Maximum
The amount of money an individual pays toward covered hospital and medical expenses. Does not include deductible
For the 100% option, the out-of-pocket is $0.

For the 80% option, the out-of-pocket maximum is $2,000 for one individual. ($4,000 for 2 individuals, and $5,000 for 3 or more individuals)

For the 50% option, the out-of-pocket maximum is $5,000 for one individual. (It is also $5,000 for 2 or more individuals)

For the 80% option, the out-of-pocket maximum is $2,000 for one individual. ($4,000 for 2 individuals, and $5,000 for 3 or more individuals)

For the 50% option, the out-of-pocket maximum is $5,000 for one individual. (It is also $5,000 for 2 or more individuals

For the 80% option, the out-of-pocket maximum is $4,000 for one individual. ($8,000 for 2 individuals, and $12,000 for 3 or more individuals)

For the 50% option, the out-of-pocket maximum is $10,000 for one individual. ($20,000 for 2 or more individuals

For the 80% option, the out-of-pocket maximum is $6,000 for one individual. ($12,000 for 2 individuals, and $18,000 for 3 or more individuals)

For the 50% option, the out-of-pocket maximum is $15,000 for one individual. ($30,000 for 2 or more individuals

Prescription Drugs Covered Covered Not Covered Not Covered
Lifetime Benefit Maximum
The total maximum amount the plan pays
$1 million $1.5 million $1.5 million
Outpatient servcies limited to $2,000
$1.5 million
Outpatient servcies limited to $2,000
Anthem Blue Cross BlueShield of Indiana
free online quote

Blue Short Term PPO is an affordable short-term health insurance plan from Anthem Blue Cross Blue Shield of Indiana that provides individuals and families essential protection against unexpected accidents or illness. This plan utilizes the Blue Cross Blue Shield PPO network of doctors and hospitals and provides coverage from 30 - 180 days.

Blue Short Term PPO is your temporary health insurance solution if you are:

Blue Short Term PPO covers many of the most costly health care services, including:

Once your deductible has been reached, Blue Short Term plan pays 80% of covered services. You pay the remaining 20% until your total out-of-pocket expense for covered services is met. Once that limit is reached, the plan pays 100% for most covered services, up to the $1 million maximum.

Design your own plan

Anthem Blue Cross BlueShield of Indiana
free online quote

With Blue Short Term plan, you get choices. Decide for yourself what fits your needs. When do you want your coverage to start? How long will you need coverage - one, two, three, four, five, or six months? Select the deductible that's right for you, from as low as $250 all the way up to $2,500. And with that choice, you can influence what your coverage will cost.

Get Anthem Blue Cross Short Term Quote Get Quote
Plan Feature Benefit
Length of Coverage 30 - 180 days
Deductible $250 single / $500 family
$500 single / $1,000 family
$1,000 single / $2,000 family
$2,500 single / $5,000 family
Out-of-Pocket Limit (maximum) $5,250 single / $10,500 family
$5,500 single / $11,000 family
$6,000 single / $12,000 family
$7,500 single / $15,000 family
Covered Services Coinsurance You pay 20%
Prescription Drugs You pay 20%1
Office Visits You pay 20%
Lifetime Maximum $1 million

Eligibility

You can apply for coverage for yourself or with your family. You must be a resident of the state in which you are applying, a legal resident of the U.S. and not currently pregnant. Family health coverage includes you, your spouse or domestic partner and any dependent children. Children are covered to the end of the month in which they turn 25.

The following dependent children are eligible for coverage: (no minimum support required from a parent or guardian)

For the following dependent children to be eligible for coverage, you a parent or guardian must provide at least 50% of their support:

Pre-existing Conditions

Preexisting conditions are not covered under this plan. A preexisting condition is a condition for which medical advice, diagnosis, care or treatment was recommended or received during the 24 months right before you enrolled. Any condition that occurred in any earlier plan benefit period will be a preexisting condition under a subsequent plan benefit period.

Purchasing an Additional Plan

If you still need temporary insurance when your first Blue Short Term plan expires and you are still able to answer no to the questions under Part E of the application, you may reapply as often as needed (within a maximum term of 360 days) by completing a new application and sending it in with the appropriate premium. After the 360-day limit, you must wait at least six (6) months before reapplying for another short term plan.

Short Term Medical vs. COBRA

A short term health plan is an excellent alternative to expenseive COBRA premiums for most healthy individuals. Individuals who will need (or soon need) medical care for an exisiting chronic medical condition should elect COBRA since short term medical insurance does not cover pre-existing conditions. The table below illustrates the major differences between short term health insurance and COBRA.

Short-term medical insurance vs. COBRA
Short Term MedicalCOBRA Insurance
Type of CoverageMajor medical coverage, including inpatient & outpatient careSame as previous benefits
Significant exclusions Pre-existing conditions, wellness benefits All previous exclusions
Choice of doctorsFree to choose any doctor or hosptialIf previous coverage was PPO or HMO, choice limited to in-network providers
PriceUp to 70% less expensive than COBRA coverage, depending on insured's age, city of residence, and cost of COBRAUp to 102% of total price of employer's plan. The 2008 median price in Indiana for single coverage is $361/month

Short Term Medical Plan Exclusions

Short Term Medical Insurance coverage is designed to protect you in the event of an unexpected illness or injury. Because of this, medical insurance coverage for preventive care, pre-existing conditions, physicals, pregnancy, immunizations, dental or eye care services are not covered by short term medical plans. Any medical expense incurried outside the U.S. or Canada is also excluded from temporary insurance plans. Individuals that need medical coverage outside the country can get an international travel insurance policy.

How HIPPA Legistlation affects Short Term Medical Plans

Under HIPAA, short term medical policies are generally exempt from the Federal Health Insurance Portability and Accountability Act (HIPPA). This means that when issuing a Short Term Medical policy, insurance carriers do not have to: guarantee renewability, guarantee issue or waive the pre-existing condition limitation for federally eligible individuals.

In Indiana, an individual must maintain health coverage for 18 consecutive months without any break in coverage longer than 63 days to avoid pre-existing condition limitations. Previous creditable coverage includes:

  • A group health plan
  • Health insurance coverage
  • Part A or Part B of title XVIII of the Social Security Act (Medicare)
  • Title XIX of the Social Security Act, other than coverage consisting solely of benefits under section 1928 (Medicaid)
  • Chapter 55 of title 10, United States Code (Champus)
  • A medical care program of the Indian Health Service or of a tribal organization
  • A state health benefits risk pool
  • A health plan offered under chapter 89 of title 5, United States code (Federal Employee Health Benefit Plan)
  • A public health plan (as defined in regulations)
  • A health benefit plan under section 5(e) of the Peace Corps Act