Ins/Mark of America

SHORT TERM MEDICAL

An Affordable Approach to Healthcare for Unexpected Illness or Injury

Short-term medical plans are affordable because they provide coverage options that make sense.

By purchasing a Short-term Medical plan you and your family only pays for coverage you need and can afford.

Coverage that will pay for Unexpected Illness or Injury without the more expensive options that cover you for preventative, routine care, mental health, conditions and maternity care. The plan will cover complications of pregnancy arising from pregnancy that begins after the effective date of coverage on the same basis as any other covered Sickness.

There is a 15 day waiting period for expenses incurred due to a Sickness that manifests itself before the Effective Date of coverage. Benefits are available from the first day for an Injury that is sustained on or after the Effective Date of coverage.

Choose the Plan that Fits Your Needs

  • Choice of four Deductibles
  • Two coinsurance options designed to fit your budget
  • Choose your own Doctor or Hospital without network restrictions or penalties
  • For additional savings PHCS Network is available at no additional cost

Not Minimum Essential Coverage
If you insure yourself with a Short-term Medical plan instead of a metallic plan that meets the Affordable Care Act requirements, you may have to pay a tax penalty, depending on your income and the cost of available metallic plans.

Notice to Applicants
Your Effective Date will be assigned by the Home Office. Insurance Coverage is Not Effective Until the Coverage Applied for has been Accepted and Approved and Issued.

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