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What Is Short Term
Medical? |
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Short Term Medical is a
temporary health insurance plan (30-185 days) designed for people who are
between permanent health plans. It's an affordable alternative to COBRA or
other continuation of coverage available under a former employer's
plan, particularly if you don't have preexisting conditions, and is
often 25% or more less expensive than a permanent individual medical
plan. Click
here
for rates.
Whether you are: |
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Between jobs
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Waiting for employer group coverage
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A
recent college graduate
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A
temporary or seasonal employee
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A
dependent falling off your parent's plan
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A
laid-off, striking or terminating employee
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Short Term Medical can
provide you with the peace of mind your deserve, providing affordable,
health coverage that protects you or your family - for only dollars a
day. Consider this - a basic knee injury could cost up to $12,000
(based on 2001 Fortis Health Short Term Medical claims) of your
hard-earned money. That's why going without health insurance, even for a
short time, puts you or your family at serious financial risk. |
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Here's How The Plan Works |
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Short Term Medical
is simple, flexible and affordable. You choose the plan that best
meets your needs and budget by selecting from the features below. Best of all, you can obtain
coverage as early as the next day! |
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$250
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$500
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$1,000
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$2,500
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100%
(not
available with $250 deductible)
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80/20%
(Fortis pays 80%; you pay 20%)
to
$5,000 of covered expenses;
100% thereafter to the $2 million maximum
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50/50% to $5,000; 100% thereafter to the $2 million maximum
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30-185 days
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Since this plan
is not a PPO or HMO, you choose your own doctors and hospitals. For additional savings, you can reduce
your medical bills by using the doctors and hospitals participating in
PHCS Healthy Directions. Simply call PHCS at 1-800-357-6847 or visit
them on the web at www.phcs.com,
click on the "Find A Provider" icon to verify that your doctor or
hospital is part of the PHCS network. Then present your medical identification card
with the PHCS logo on it at time of service and your provider will
bill you at the reduced PPO network rate for services. |
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Benefits Are Paid As Follows |
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FIRST:
You pay the deductible for each covered person
(for
families, the maximum deductible you will have to pay is equal to
three times the individual deductible amount).
THEN:
Once the deductible is satisfied, Fortis Health pays 100%,
or 80% or 50% of the next $5,000 of covered expenses
(depending on the rate of payment you've chosen).
THEREAFTER:
Fortis Health pays 100% of remaining covered expenses up to the plan
maximum of $2 million for each covered person. |
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