Short Term Medical Insurance

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What medical expenses are covered?

The following benefits are for the Insured and each covered dependent subject to the plan Deductible, Coinsurance Percentage, Coinsurance Limit and the Lifetime Maximum benefit of $2,000,000. Benefits are limited to the Usual, Reasonable and Customary charge for each Covered Expense, in addition to any specific limits stated in the policy:

• Inpatient hospital charges paid at the average semi-private room rate
• Miscellaneous medical services, doctors medical care and treatment
• Intensive or critical care up to 3x the average semi-private room rate
• Doctor's Office and Urgent Care Center– 100% after a $50 co-payment, up to 3 visits per coverage period. The first 3 visits are not subject to the deductible. Beginning with the 4th visit, benefits are subject to the deductible and coinsurance percentage and limit.
• Outpatient Hospital or Emergency Room Care
• Physical services for treatment and diagnosis
• Foreign travel (urgent medical care while in a foreign country) after a $250 Benefit Deductible up to a $25,000 maximum per coverage period
• Skilled nursing facility $30 per day up to a maximum of 30 days per coverage period
• Ambulatory Surgical Center or Outpatient Hospital Surgical Facility
• Surgeon services in the hospital or ambulatory surgical center
• Assistant Surgeon services up to 20% of surgeon's benefit
• Anesthesia services up to 20% of surgeon's benefit
• X-ray exams, laboratory tests and analysis, radioactive isotope therapy, oxygen, casts, splints, crutches, braces, surgical dressings, artificial limbs or eyes, rental of medical supplies.
• Ambulance Ground or Air maximum benefit of $250 per trip
• Blood or blood derivatives and their administration
• Mammography
• Inpatient prescription drugs
• Home Health Care up to $40 per visit up to a Maximum of 40 visits per Coverage Period

Cinergy Health & Life is a national insurance agency offering an array of health, life and dental insurance solutions for various states.

This website provides a brief description of a short term medical insurance plan. You must be 18 years old to apply. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in policy form number AH-60001, underwritten by Starr Indemnity & Liability Company. If there are any conflicts between this site and the Policy, the Policy shall govern. Benefits vary by state. This Short Term Medical Plan is not available in all U.S. states or any other countries outside the U.S. and coverage and benefits may vary by state as well. Coverage can be selected for up to 6 months or up to 12 months. This is a temporary insurance plan. No benefit for any loss caused by or resulting from a Pre-Existing Condition will be covered. Expenses for the treatment of normal pregnancy or childbirth will not be covered or paid.

NOT AVAILABLE IN NEW  YORK