Short Term Medical (STM), supplemental plans and Health Care Reform
Short‐term, limited duration plans are not subject to certain provisions of federal health care reform, including the provisions related to Essential Health Benefits, lifetime limits, preventive care, guaranteed renewability, and pre‐existing conditions. The preexisting condition exclusion for Short Term Medical plans will apply for all insureds, including those under the age of 19. Examples of the claims STM plans do not cover are for most preventive care, maternity, mental health and treatment related to medical conditions they had prior to the plan’s effective date. Because these plans are not guaranteed renewable, the applicant may not be eligible for another short‐term plan after the plan’s termination date; and the pre‐existing condition exclusion will apply to any conditions that arose during any prior short‐term plans. Know your plan.
SHORT TERM MEDICAL, ACCIDENT & SICKNESS FIXED BENEFIT AND SUPPLEMENTAL ACCIDENT AND CRITICAL ILLNESS PLANS PROVIDE LIMITED BENEFITS AND ARE NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH COVERAGE REQUIREMENTS OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.
By applying for the Dental Indemnity with Network Savings Card, you understand the monthly amount includes a $3.00 per month per member fee for the card and will be collected in installments along with your insurance premiums.
Plans underwritten and administered by Starmount Life Insurance Company. Policy Form No. IDN2013P. This is a brief description of the plan and should be used only as a guide. It does not contain complete plan details. Terms and conditions, including a complete list of benefits, limitations and exclusions, are defined in the policy issued following enrollment in the plan. If questions arise concerning coverage, the policy will govern. Not available in all states. Rates and benefits may vary by state.
L.I.F.E. Membership privileges include life-style related benefits and services in programs offered by the Association. By applying for membership, you understand that dues are required and if participating in a sponsored insurance program, your Association membership annual dues may be collected in installments along with your insurance premiums. Membership in an Association may be required in order to be eligible for this insurance coverage.
National General Accident & Health markets products underwritten by Time Insurance Company, National Health Insurance Company, Integon National Insurance Company, Integon Indemnity Corporation.
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