Plan brochures and availability varies by state. For further details, please choose the brochure from your resident state below.
AL, AR, AZ, FL, GA, IL, IN, KY, LA, MI, MS, MT, NE, NV, OH, OK, SC, TX, UT, WI, WV and WY - Brochure
DC, KS, MD, MO, NC, ND, SD, TN, and VA - Brochure
IA - Brochure
OR - Brochure
Why choose Short Term Medical?
Because life is unpredictable
Our Short Term Medical insurance gives you a plan to face those unpredictable moments in life with confidence. It provides the financial protection you need from unexpected medical bills and other health care expenses, including:
- Doctor visits and some preventive care
- Emergency room and ambulance coverage
- Urgent care benefits and more
Short Term Medical is a good choice if you’re:
- Between jobs
- Waiting for Medicare
- Waiting for new employee benefits
Find the plan option fitting your needs and budget
Building a Short Term Medical plan is easy
All you have to do is choose a deductible, select a coinsurance option, designate your coverage term, complete a health questionnaire, and you’re all set.
Coverage is available as soon as the next day.
You choose your own coverage term, from 30 days to up to 12 months
Choose your doctor from more than 690,000 participating providers in the Aetna Open Choice® PPO Network
Standard Issue Plans
plans requiring a health questionnaire
| Deductible* | Coinsurance | Out-of-Pocket Maximum After After Deductible | Coverage Period Maximum |
|---|---|---|---|
| $1,000 | 50% / 50% 80% / 20% | $5,000 $5,000 | $250,000 $1,000,000 |
| $2,500 | 50% / 50% 80% / 20% 100% | $5,000 $5,000 $0 | $250,000 $1,000,000 $1,000,000 |
| $5,000 | 50% / 50% 80% / 20% 100% | $5,000 $5,000 $0 | $250,000 $1,000,000 $1,000,000 |
| $10,000 | 80% / 20% | $5,000 | $1,000,000 |
| $25,000 | 80% / 20% | $5,000 | $1,000,000 |
For States: DC, KS, MD, MO, NC, ND, SD, TN, VA
| Deductible* | Coinsurance | Out-of-Pocket Maximum After Deductible | Coverage Period Maximum |
|---|---|---|---|
| $1,000 | 50% / 50% 80% / 20% | $2,500 $1,500 | $250,000 $1,000,000 |
| $2,500 | 50% / 50% 80% / 20% 100% | $2,500 $1,500 $0 | $250,000 $1,000,000 $1,000,000 |
| $5,000 | 50% / 50% 80% / 20% 100% | $3,750 $2,000 $0 | $250,000 $1,000,000 $1,000,000 |
| $10,000 | 80% / 20% | $2,000 | $1,000,000 |
| $25,000 | 80% / 20% | $2,000 | $1,000,000 |
For State: OR
Guaranteed Issue Plans
Choosing a Guaranteed Issue Short Term Medical plan is even easier
Guaranteed Issue plans help you get coverage if Standard Issue isn’t a good fit. Here are your Guaranteed Issue options:
| Basic | Enhanced | |
|---|---|---|
| Deductible* | $5,000 | $3,500 |
| Coinsurance | 90% / 10% | 80% / 20% |
| Out-of-Pocket Maximum | $5,000 | $6,500 |
| Coverage Term* | You choose your own coverage term, from 30 days to up to 12 months | You choose your own coverage term, from 30 days to up to 12 months |
| Coverage Period Maximum | $100,000 | $100,000 |
*Not available for all states.
FOR ADDITIONAL INFORMATION
Insubuy®, Inc.4200 Mapleshade Ln, Suite 200
Plano, TX 75093
Toll Free:
+1 (866) INSUBUY
Phone:
+1 (972) 985-4400
Fax:
+1 (972) 767-4470
Website:
www.insubuy.com
DISCLAIMER: The information within this page is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all states, availability, scenarios, coverages or exclusions of an insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this page and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.
Version: 04/2020
