The purpose of this website is to provide an overview of this Short Term Medical Plan. Below are some frequently asked questions regarding this valuable coverage.
Q. Who needs this type of coverage?
A. Short Term Medical Insurance is an ideal type of
medical insurance for those who are: unemployed, in
between jobs, recent college graduates, in need of an
alternative to COBRA. You will see that this coverage
provides many features while maintaining a very
competitive premium structure.
Q. Who is eligible for this coverage?
A. You and your spouse under age 65 (and not eligible
for Medicare) and you and your spouse's unmarried
dependent children under age 19 (or under age 25 if a
full-time student) who have a social security number
and can answer "No" to the seven health questions on
the application. Children age 19 and over should apply
separately. Child-only coverage is available for ages
2 through 18. The application must be completed and
signed by the parent or legal guardian.
Q. Once my coverage is issued, do I have
the option to select my doctors, hospitals and medical
providers?
A. Yes. You have the freedom to select the doctors and
hospitals of your choice. This plan is not an HMO or
PPO.
Q. How long may I be insured under this
plan?
A. The short-term major medical plan is issued on a
temporary need and expires at the end of the period
applied for. If the need for temporary health
insurance continues, you may apply for another new STM*
coverage period. Your application is subject to the
eligibility and underwriting requirements. Furthermore
the coverage is not continuous. Any condition that
incurred expense during the last coverage period will
be treated as a Pre-Existing Condition, and excluded
under the next coverage period. Applicants over the
age of 64 are not eligible to re-apply for coverage.
*Only if an STM Plan is available in your resident
state at that time; plan benefits, premium and
features may vary.
This plan does not cover "pre-existing conditions". A pre-existing condition is any medical condition for which the covered person required medical treatment, consultation, or expense during the 5 years immediately prior to his/her coverage effective date or which provides symptoms within 5 years immediately prior to his/her effective date of Insurance. The pre-existing condition limitation may vary by state.
Q. Are pre-existing conditions covered?
A. This plan does not provide benefits for
pre-existing conditions, work related conditions, and
preventive care. If you or a dependent have an
existing health condition, you may want to consult
with your independent insurance agent prior to
applying for or changing health/medical insurance.
Insurance fraud is a crime. Any person who, with
intent to defraud or knowingly facilitates a fraud
against an insurer, submits an application or files a
claim containing false, deceptive and/or incomplete
information is subject to civil and criminal
prosecution.
Q. Are there expenses not covered under
this plan?
A. Yes, this plan is designed to protect you in the
event of an illness or injury and is not meant to
cover routine exams and preventive care. Short Term
Medical is for temporary coverage only and therefore
does not include some of the benefits a permanent
health plan offers. Please refer to the Exclusions and
Limitations section of this web site.
Q.Do I need precertification?
A.Pre-admission certification prior to eligible
inpatient hospitalization or surgery by the covered
individual within 48 hours is required. This is not a
guarantee of benefits. Failure to precertify will
result in a benefit reduction of 50%. Call
1-800-367-9938 for precertification.
Q. How do I apply for this coverage?
A. First, make sure you do not live in a state where
the Plan is not available. Next look up the rates that
apply to you based on your gender and zip code. Then,
complete the application, e-sign it, and send payment
to the administrator along with your initial premium
payment to the address below.
Mail and make check payable to:
Insurance Services of America
1757 E. Baseline Road, Suite 126
Gilbert, AZ 85233
Get
a Quote / Purchase a Policy
Q. What should I do if I cannot download
and/or print the application found on this site?
A. Contact ISA, Inc. at 1-800-647-4589 between 8:00am-
4:30pm Pacific Time. Or, you may e-mail them at
health@shorttermhealthplan.com. They will
rush an application, rates and coverage description
right away.
Q. Can I get a refund of my premium if I am
not satisfied?
A. Once you receive your Coverage Document, carefully
review all information. If you are not satisfied for
any reason, return the Coverage Document (within 30
days of receipt) with your written request for
cancellation to HPA. Coverage will be cancelled as of
the effective date and you'll receive a full premium
refund (minus admin fees and dues), no questions
asked.
Q. How is this coverage billed?
A. After submitting your enrollment form with first
month's premium, you will then be billed monthly or
you can choose to prepay. You indicate on your
enrollment form how you wish to pay for your coverage.
You may elect to be billed for the monthly premiums
(plus the administration fee), OR you can select one
of the other two payment methods: (1) Automatic
Pre-authorized Bank Withdrawal; or (2) Credit Card -
MasterCard, Visa and Discover are accepted.
Q. When does my coverage begin?
A. The insurance can be effective as early as 12:01
a.m. the next day after the transmission date.
However, the applicant can choose a later effective
date not to exceed 60 days from transmission date.
Coverage ends on expiration date listed in your
coverage document.
This website provides a brief description of the benefits, limitations, exclusions and other provisions of the Short Term Medical Plan, Form
