What's Covered? Short Term Medical insurance is designed to protect you and your family from the high cost of unexpected illnesses and injuries. Our temporary medical insurance plans let you choose your own doctors and hospitals and pay for all covered medical expenses once your deductible, coinsurance and, where applicable, co-payment amounts have been met. Short Term Medical insurance covers major hospital, medical and surgical expenses incurred as a result of medically necessary care for a covered illness or injury* up to a policy maximum of $2 million. Covered Medical Services - Prescription drugs
- Inpatient hospital services
- Outpatient hospital services
- Health care practitioner services, surgical and anesthesia services
- Reconstructive surgery
- Inpatient rehabilitation programs
- Skilled nursing facility care
- Home health care
- Outpatient physical medicine services
- Ambulance services
- X-ray and laboratory services
- Durable medical equipment and supplies
- Blood product transfusions
- Temporomandibular joint (TMJ) or craniomandibular joint dysfunction
- Transplantation benefits
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