Short-Term Medical

Petersen Short-Term Medical Plan

 First, read the brochure so you understand how it works —> http://bit.ly/1WVvCm9
 Click here to apply online.

For U.S. citizens and residents, the Short Term Major Medical Plan was designed for those who are temporarily without healthcare due to a myriad of common circumstances. For example, young adults no longer eligible for family coverage, for those awaiting group plan enrollment, for those entering retirement early, for U.S. expats returning from living abroad and for simply anyone who misses governmental exchange open enrollment periods. Short Term coverage is not minimum essential coverage, does not satisfy the health coverage requirement of the ACA, and will not prevent the consumer from owing a tax penalty.

Short-term health insurance, unlike most long-term health insurance plans, does not provide comprehensive coverage for medical services like physical exams, and dental and vision care. Rather, these plans provide more limited benefits designed to protect you and your family against unforeseen illnesses or accidents.

This temporary major medical insurance plan is intended for reimbursement of eligible expenses from injuries or illnesses which occur within a specified geographical area. Benefits may be assignable once validated. Until then, benefits are paid directly to you to reimburse you for necessary medical expenses which have been paid by you, subject to covered expenses as outlined in the certificate.

The 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. Once the deductible has been fulfilled, the policy will cover 100% up to $1,000,000. All expenses are applied toward the deductible. There are no health questions. Be sure to read and understand the policy exclusions and limitations described in the brochure.

• Policy Period: Up to 11 months. Policies cannot be renewed or rewritten.
• The earliest effective date is the day after the application is submitted.
• The coverage is available only in monthly increments.
• Issue ages: 0 through 64.
• Sports or Activities Coverage: If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits will be paid up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is lesser.

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.

Pre-existing condition Limitation: Pre-existing condition means a physical, mental or chemical condition which arose from any accident or sickness for which you sought medical advice or treatment within twelve months prior to the effective date of the coverage or which caused symptoms for which an ordinarily prudent person would have sought medical advice within that twelve months.

The Short Term Major Medical Plan provides thorough health insurance including coverage for prescription medications and special features like accidental death and dismemberment benefits. Policies are also available with optional sports and hazardous activities riders.  This plan is more attractive to clients and brokers than similar programs in the market because of the simple, quick one-page application process, and the Petersen policy doesn’t require co-insurance or co-payments.

About the First Health PPO Network
First Health provides access to an extensive community of hospitals, ancillary facilities, and healthcare professional service locations.  Finding a provider close to home is simple with access to an easy-to-use online portal and toll-free service telephone number.
• Provider Search: visit www.doctorsearchnow.com or call 800-226-5116.

• In-Network Coverage: You may receive diagnosis and treatment of your Sickness or Injury from a Provider within the PPO Network, at your option. To find a Provider within the PPO Network please review the information on Your identification card. By utilizing the PPO network You may receive discounts and savings for any incurred Eligible Expenses. Utilizing the PPO network is not required and it does not guarantee that benefits will be payable or that the Provider will bill Us directly. You have the option to see any Provider whether they are in network or out of network.

• Out of Network Coverage: We allow the insured to see any provider even if they are outside of the PPO Network. PPO Network discounts do not apply for treatment received out of network and expenses will be reimbursed up to UCR.

This temporary major medical insurance plan is intended for reimbursement of eligible expenses from injuries or illnesses which occur within a specified geographical area. Benefits may be assignable once validated. Until then, benefits are paid directly to you to reimburse you for necessary medical expenses which have been paid by you, subject to covered expenses as outlined in the certificate.