Short Term Health
Temporary Medical plans are available for a specified period of days (30-185) or on a month-by-month basis from 1 to 6 months. Plans pay a percentage (50%, 70%, 80% etc.) of covered charges after you meet your deductible (choices include $250, $500, $1000, $1500 and $2500)
. There are generally no office visit copayments or prescription drug cards. Prescriptions are covered at the coinsurance percentage (generally 70% to 80%) following your deductible. WARNING — these plans do not cover preventive services, maternity, or pre-existing conditions in most cases. Please read the brochures carefully before deciding if these plans are right for you. Call us with your questions!
The Assurant (Also known as Fortis) plans show both pre-paid and month-by month options for up to 6 months. You may receive quotes using the following link. You’ll need to print their application and fax it to our office for processing. Note, there is a $25 fee at the time of application.
Assurant/Fortis Quotes
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Health Net also offers short-term coverage which will “dovetail” with their individual plans. You may purchase coverage on a month to month basis for up to 6 months, or on a pre-paid basis for a fixed number of days for up to 185 days. Note, due to download speed, if you need the Health Net documentation in another language (other than English), please contact us for the form to request that documentation.
Health Net Quick Net Brochure and application January 2012
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H.P.A. (Health Plan Administrators)/IHC Health offers several short-term policies. This is their most comprehensive plan, through Secure Life which covers inpatient and outpatient services and does not restrict coverage to only four office visits per benefit period. Benefits may last up to 6 months on this plan, and may be paid on a month-to-month or single premium basis, depending upon the duration of the policy. Prescription Medication is not covered, however, so you will want to consider their prescription discount plan.
H.P.A. Short Term (link for quotes)
H.P.A. Short Term Lite (no prescription coverage and a low maximum benefit of $750,000 per coverage period. This plan also limits you to four office visits per coverage period. Hospital benefits are limited to $1000/day. PLEASE read the details of this plan before you buy.
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You may pay with a credit card for any of these plans. Applications may be faxed to our office at 831-335-5883 or mailed to us at the address below.
Rates are based on your age and where you live. Policies may be effective the day following your postmark or fax of the completed form. Maternity and pre-existing conditions are not covered, and you must be reasonably healthy to purchase the plans. Coverage is not offered if you have an occupation involving unusual hazards.
Call the office for further information, please!
