Visitors Insurance Quote

Short Term Major Medical Plan

Temporary Major Medical Insurance for U.S. Residents For

Individuals Who Need Temporary Coverage
Individuals Who are Between Jobs
Individuals Who Have Been Postponed for Group Coverage

Short Term Major Medical Plan - Description of Available Benefits

The insurance described herein is a temporary major medical insurance plan with a maximum term length of 11 Months. Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within the USA will be reimbursed to you.

How Coverage Works

All expenses are applied toward the deductible.
Once the deductible has been fulfilled, the policy will cover 100% up to $1,000,000.

The Short Term Major Medical plan is set up to be as simple as possible - No co-pay & No coinsurance. Policy Maximum and deductible are per person, per policy period. There is a choice of $100, $250, $500, $1,000, or $2,500 deductibles.

Eligible Expenses
Hospital Expenses	All medically necessary expenses while hospitalized including Hospital room and board limited to semi-private daily rate, Hospital intensive care unit, Emergency room care, Outpatient surgery, Diagnostic services, Supplies and therapy.
Physician Services	All medically necessary expenses for treatment including Physician services consisting of home, office, and hospital visits, Other medical care and treatment, Diagnostic services, Supplies and therapy.
Skilled Nursing Facilities:	Skilled Nursing Facility room and board, provided confinement begins within 30 days following a Medically Necessary Hospital confinement of 3 days or longer.
Home Health Care:	All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.
Ambulance Services Expenses:	To and from a hospital within 100 miles in the same geographic area.
Prescription Drugs:	Outpatient prescription medications covered up to a maximum of $500.
$25,000 Accidental Death:	$50,000 if accidental death occurs while riding as a passenger of a common carrier
Policy Period:	The Short Term Major Medical Plan is a temporary plan and has a maximum policy period of 11 months. Policies cannot be renewed or rewritten.