Short Term Medical Insurance underwritten by Standard Life And Casualty

Short term medical pays benefits like a major medical insurance plan, but for a length of time you select, up to one year.
We have a wide range of deductible options to fit your coverage needs and budget.

This type of plan is NOT considered "minimum essential coverage" under the Affordable Care Act and therefore you may be subject to a tax penalty.
QUOTE & APPLY NOW

Up to $1,000,000 in Maximum Lifetime Benefits per Person

  • Doctor’s Office or Urgent Care Facility visits are not subject to the deductible — they’re paid at the coinsurance rate, after a $50 copay.
  • Deductible choices:  $250, $500, $1,000, $2,500, $5,000 or $7,500
  • Coinsurance choices:  50/50 or 80/20
  • You’re free to choose any provider, but we provide a large provider network to help reduce your out-of-pocket costs.
  • ScriptSave Select prescription discount membership provided free of charge
  • Child-only coverage is available – minimum 2 years of age
  • Premium discount for single up front payment of premium (vs. monthly) for coverage up to 180 days.

This plan can be great for you if you are:

  • Between jobs or laid off
  • Part-time or temporary employee
  • Recent graduate
  • Looking for affordable coverage for up to one year

IF YOU HAVE A PRE-EXISTING CONDITION, Major Medical plans or COBRA may be a better coverage option.

Who’s Eligible?

Short term insurance (also called temporary health insurance) is available for:
  • Healthy individuals between the ages of 30 days and age 64 and 11 months
  • Dependent children through age 18 (age 24 if a full-time student)*
  • Foreign residents living in the U.S.

Who’s Not Eligible?

Short term insurance plans are a good alternative to COBRA coverage or student health insurance for many people. Unfortunately, this coverage is not available for everybody. Our short term insurance plans do not cover:
  • People who will turn 65 or become eligible for Medicare during the benefit period
  • People who are pregnant
  • People seeking coverage while traveling outside of the U.S.

These plans do not meet Minimum Essential Coverage requirements. Starting in 2014, you may need to pay a tax penalty depending upon your income level and the cost of plans available.

Coverage is not renewable; however, if your temporary need continues beyond your policy period, you may apply for a new plan if there have been no significant changes in your health.

* May vary by state.

Legal Disclaimer: This site provides a brief description of the plan. You must be 18 years old to apply.  The policy contains reductions, limitations, exclusions, and termination provisions.  Full details of the coverage are contained in the policy form.  In the event of any conflict between this site and the Policy, the Policy will govern.
Saver’s Bridge Short Term Medical 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.

What about Health Care Reform?

Short term medical insurance like Saver’s Bridge is exempt from many of the reforms that are pushing premiums through the roof.

  • Does Short-Term Medical meet the “Individual Mandate” requirement of Obamacare?  No.  You would have to pay the tax penalty, but the savings are a no-brainer for most clients.  Short Term Medical is about half the cost of a full-blown major medical plan.
  • Short-Term Medical can last up to 12 months (depending on your state), and you may re-apply for another 12 month period as long as you meet our underwriting criteria.  If you develop a condition that would keep you from qualifying, simply go to healthcare.gov and apply for a guaranteed-issue plan during an open-enrollment period.  See the Frequently Asked Questions document for more details.
  • Saver’s Bridge can be approved an issued within the time it takes to make one telephone call to us, or to fill out and submit the application online.

Obamacare plans are guaranteed-issue, and their premiums reflect that.  Saver’s Bridge, while easy to qualify for, is priced for reasonably healthy people.  Since we can underwrite the risks, you’re not stuck paying the freight for those whose health would normally require much higher premiums.

Obamacare plans must cover pre-existing conditions, thereby driving premiums much higher.  That’s like buying car insurance AFTER you’ve wrecked your car.  What would happen to car insurance rates if that were possible?  We believe insurance is to protect you from the risk of future unforeseen events, not accidents or illnesses that have already happened.

This is a brief summary of policy benefit provisions.  It is not the policy or the required Outline of Coverage.
In the event of any discrepancy, policy language will control.

Coverage Options
Deductible $250, $500, $1000, $2500, $5000, $7500 The selected deductible must be paid by each Covered Person before Coinsurance benefits are payable. (The deductible is met for all covered family members after 3 individuals meet their deductible).
Coinsurance Percentage 80/20 or 50/50 Your selection of a Coinsurance Percentage represents the percent of covered expenses that we pay and that you pay*, after the deductible has been satisfied, up to the Coinsurance Maximum.
Coinsurance Maximum $5,000

During a Coverage Period, after you have met the Deductible, the Company will pay the Coinsurance Percentage of covered charges, until your share of covered charges subject to coinsurance reaches $5,000. After that, the company will pay 100% of covered charges to the Overall Maximum Limit.

Overall Maximum Limit $2,000,000 or $250,000 The maximum amount of lifetime benefits payable for an insured person.

*Based on usual and customary charges of the geographical area in which charges are incurred.

How Benefits are Paid
Subject to the Deductible, Coinsurance and other limits set forth in the policy, the Company will pay benefits for the following expenses incurred while the insurance is in effect:
Doctor’s Office Visit $50 co-payment
Not subject to Deductible.For each visit, the Covered Person shall be responsible for the co-payment, after which Coinsurance will apply.  Includes Urgent Care Facility visits.
Hospital Charges a) Daily room and board and nursing services not to exceed the average semi-private room rate;
b) Daily room and board and nursing services in Intensive Care Unit;
c) Use of operating, treatment or recovery room;
d) Services and supplies which are routinely provided by the Hospital to persons for use while Inpatients;
e) An additional Deductible of $250 per visit will be applied to charges for use of emergency room in the event of Sickness unless the Covered Person is directly admitted as an Inpatient for further treatment.
Outpatient Surgical Facility For surgery, including services and supplies.
Physicians & Surgeons Including physician, surgeon, anesthesiologist, radiologist, pathologist.  Charges for an assistant surgeon are covered up to 20% of the usual and customary charge of the primary surgeon.
Diagnostic Testing Including radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included).
Chemotherapy & Radiation Treatment For radiation and chemotherapy for the treatment of cancer.
Ambulance

Local Ambulance transport necessarily incurred in connection with Injury, and Local Ambulance transport necessarily incurred in connection with Sickness resulting in Inpatient Hospitalization.

Physical Therapy

if prescribed by a Doctor who is not affiliated with the Physical Therapy practice, necessarily incurred to continue recovery from a covered Injury or Sickness.

Durable Medical Equipment

Limited to a standard basic Hospital bed, a portable toilet, and/or a standard basic wheelchair) up to the purchase prices, not including expenses for customization and only for the portion of the cost equivalent to the Coverage Period.

Extended Care Facility  If: a) the Insured is an Inpatient in that facility on the certification of the attending Doctor that the confinement is Medically Necessary; b) the confinement commences immediately following a period of at least three (3) continuous days of Hospital confinement; and c) that confinement is for the same covered Injury or Sickness that was treated during the Covered Person’s confinement in the Hospital.
Home Health Care Including a) part-time skilled nursing care; b) physical therapy; c) speech therapy; d) medical supplies, drugs and medicines prescribed by a Doctor; e) laboratory services by or on behalf of the Hospital but only to the extent benefits for those services would have been paid under the policy had the Covered Person remained Hospitalized f) occupational therapy; and g) respiratory therapy.
Dental Injury

Dental treatment and dental surgery necessary to restore or replace natural teeth lost or damaged as a result of an Injury covered under the policy.

Other For dressings, sutures, casts or other supplies, but excluding nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home, and all devices or supplies for repeat use at home, except Durable Medical Equipment as defined in the policy.For hemodialysis and the charges by the Hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components.For oxygen and other gasses and their administration.
Telemedicine/Telehealth Coverage shall be provided for telehealth services and telemedicine medical services in the same manner as a face-to-face visit.

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Standard Life provides access to the PHCS Network for Saver’s Bridge Short-Term Medical policyholders, free of charge.  The PHCS Network is part of Multiplan, the nation’s oldest and largest supplier of independent, network-based cost management solutions.

You’re not locked into the network — you can choose your own doctors and hospitals.  However, when you choose a PHCS Network provider, you will generally have significantly lower out-of-pocket costs for services covered by your policy.

  • Nearly 4,400 hospitals and 700,000 healthcare professionals nationwide.

  • Fee reductions average 42% for physicians and specialists.

Saver’s Bridge’s deductible and payment percentage is the same for in-network and out-of-network covered services.  Network access is provided free of charge, is not a part of the policy and is subject to change.

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Standard Life provides sponsored membership in ScriptSave Select for our Short-Term Medical policyholders, free of charge.

The ScriptSave Select membership is not an insurance benefit and is not part of the policy.

With the ScriptSave® Select card, you and your family can save money on your prescription drugs.

The ScriptSave® Select card provides you with substantial savings on prescription brand name and generic drugs. You can use this card even if you have prescription coverage – it’s simply another way for you to save money on the cost of your prescriptions. This one card is all you need – your entire household can use the ScriptSave® Select card to save on their purchases of prescriptions drugs as well, regardless of health coverage status.

It’s easy for you to save!

Simply present your ScriptSave® Select card at any of the thousands of participating pharmacies nationwide to receive your instant savings! It’s that easy – Just show your card to the pharmacist, each time you or a family member fill or refill a prescription. There is no paperwork to complete and no limit on usage. Start saving today!

Everything you need to know.

We’ve made it easy to get everything you need to use your card and learn more about the program – online at your convenience! The ScriptSaveSelect.com website provides you with everything you will need to know to start using your ScriptSave® Select card. You can even get prompt answers to all your questions!

Services/Charges Not Covered

Pre-Existing Condition Limitation:
Treatment for pre-existing conditions is excluded. Any previous or current health condition or symptom will be considered a pre-existing medical condition that will not be covered under a new plan. There is no continuous coverage between plans – therefore your new plan will not provide benefits for any condition or symptom which began during a previous plan.

Charges for the following treatments and/or services and/or supplies and/or conditions are excluded from coverage:

  • Pre‐existing Conditions – Charges resulting directly or indirectly from a condition for which a Covered Person received medical treatment, diagnosis, care or advice within the five year period immediately preceding such person’s Effective Date are excluded for the first 12 months of coverage hereunder. This exclusion does not apply to a newborn or newly adopted child who is added to coverage under this policy in accordance with Part II – Eligibility And Effective Date of Insurance.
  • Waiting Period – If coverage was purchased within 3 days of the Covered Person’s Effective Date, then in respect to Sickness, Covered Persons will only be entitled to receive benefits for Sicknesses that begin, by occurrence of symptoms and/or receipt of treatment, at least 72 hours following the Covered Person’s Effective Date of coverage under the policy.
  • Outpatient Prescription Drugs, medications, vitamins, and mineral or food supplements including pre‐natal vitamins, or any over‐the‐counter medicines, whether or not ordered by a Doctor.
  • Routine pre‐natal care, Pregnancy, child birth, and post natal care. (This exclusion does not apply to “Complications of Pregnancy” as defined.)
  • Alcoholism, Substance Abuse or chemical dependency.
  • Charges which are not incurred by a Covered Person during his/her Coverage Period.
  • Treatment, services or supplies which are not administered by or under the supervision of a Doctor.
  • Treatment, services or supplies which are not Medically Necessary, as defined.
  • Treatment, services or supplies provided at no cost to the Covered Person.
  • Charges which exceed Usual and Customary charge as defined.
  • Charges for failure to keep a scheduled appointment, or telephone or internet consultations except as provided in the Telemedicine and Telehealth provision.
  • Surgeries, treatments, services or supplies which are deemed to be Experimental Treatment.
  • All charges Incurred while confined primarily to receive Custodial or Convalescence Care.
  • Weight modification or surgical treatment of obesity, including wiring of the teeth and all forms of intestinal bypass surgery.
  • Modifications of the physical body in order to improve the psychological, mental or emotional well‐being of the Covered Person, such as sex‐change surgery.
  • Surgeries, treatments, services or supplies for cosmetic or aesthetic reasons, except for reconstructive surgery which is expressly covered under this policy.
  • Any drug, treatment or procedure that either promotes or prevents conception including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal of sterilization.
  • Any drug, treatment or procedure that either promotes, enhances or corrects impotency or sexual dysfunction.
  • Abortions, except in connection with covered Complications of Pregnancy or if the life of the expectant mother would be at risk.
  • Dental treatment, except for dental treatment that is expressly covered under this policy.
  • Eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, and any examination or fitting related to these devices, and all vision and hearing tests and examinations.
  • Eye surgery, such as radial keratotomy, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.
  • Treatment for cataracts.
  • Treatment of the temporomandibular joint, except as provided under the State Mandated Benefit pertaining to TMJ.
  • Injuries resulting from participation in any form of skydiving, scuba diving, auto racing, bungee jumping, hang or ultra‐light gliding, parasailing, sailplaning, flying in an aircraft (other than as a passenger on a commercial airline), rodeo contests or as a result of participating in any professional, semi‐professional or other non‐recreational sports including boating, motorcycling, skiing, riding all‐terrain vehicles or dirt‐bikes, snowmobiling or go‐carting.
  • Injuries or Sicknesses resulting from participation in interscholastic, intercollegiate or organized competitive sports.
  • Injury resulting from being under the influence of or due wholly or partly to the effects of alcohol or drugs, other than drugs taken in accordance with treatment prescribed by a Doctor, but not for the treatment of Substance Abuse.
  • Willfully self‐inflicted Injury or Sickness.
  • Venereal disease, including all sexually transmitted diseases and conditions (This exclusion will not be applicable to AIDS).
  • Immunizations (except as provided under the State Mandated Benefit pertaining to Childhood Immunizations or Diabetes), Routine Physical Exams, wellness or screening services except as otherwise provided in the policy.
  • Services received for any condition caused by a Covered Person’s commission of or attempt to commit a felony or to which a contributing cause was the Covered Person being engaged in an illegal occupation.
  • Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinestherapy; habilitative or rehabilitative services except as otherwise provided in the policy.
  • Any services performed or supplies provided by a member of the Insured’s Immediate Family.
  • Orthoptics and visual eye training.
  • Services or supplies which are not included as covered expenses as described herein.
  • Care, treatment or supplies for the feet: orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.
  • Care and treatment for hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed by a Doctor.
  • Treatment of sleep disorders.
  • Hypnotherapy, biofeedback and non‐medical self‐care or self‐help programs.
  • Any services or supplies in connection with cigarette smoking cessation.
  • Exercise programs, whether or not prescribed or recommended by a Doctor.
  • Treatment required as a result of complications or consequences of a treatment or condition not covered under the policy.
  • Charges for travel or accommodations, except as expressly provided for local ambulance.
  • Treatment incurred as a result of exposure to non‐medical nuclear radiation and/or radioactive material(s).
  • Organ or Tissue Transplants or related services.
  • Treatment for acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, hypertrophic and atrophic conditions of skin, nevus.
  • Services received or supplies purchased outside the United States, its territories or possessions, or Canada.
  • Treatment for or related to any Congenital Condition, except as it relates to a newborn or adopted child added as a Covered Person to this policy.
  • Spinal manipulation or adjustment.
  • Sclerotherapy for veins of the extremities.
  • Expenses during the first 6 months after the Effective Date of coverage for a Covered Person for the following (subject to all other coverage provisions, including but not limited to the Pre‐existing Condition exclusion): a) Total or partial hysterectomy, unless it is Medically Necessary due to a diagnosis of carcinoma; b) Tonsillectomy; c) Adenoidectomy; d) Repair of deviated nasal septum or any type of surgery involving the sinus; e) Myringotomy; f) Tympanotomy; g) Herniorraphy; or h) Cholecystectomy.
  • Treatment or diagnosis of allergies, except for emergency treatment of allergic reactions.
  • Treatment, medication or hormones to stimulate growth, or treatment of learning disorders, disabilities, developmental delays or deficiencies, including therapy.
  • Kidney or end stage renal disease.
  • Joint replacement or other treatment of joints, spine, bones or connective tissue including tendons, ligaments and cartilage, unless related to a covered Injury.
  • Expenses resulting from a declared or undeclared war, or from voluntary participation in a riot or insurrection.
  • Expenses incurred by a Covered Person while on active duty in the armed forces. Upon written notice to Us of entry into such active duty, the unused premium will be returned to the Covered Person on a pro‐rated  basis.
  • Expenses for the treatment of Mental and Nervous Disorders, without demonstrable organic disease, including, but not limited to, neurosis, psychoneurosis, psychopathy, psychosis, attention deficit disorder, autism, hyperactivity, or mental or emotional disease or disorder of any kind, unless specifically covered.

The limitations and exclusions may vary by state. Please see the Policy for detailed information about these and other plan limitations and exclusions.

NOTE: NO CONTINUOUS COVERAGE. This short term medical has no continuous coverage and is not renewable.
Although this short term plan may be rewritten for new and completely separate Coverage Periods (as long as you meet the eligibility criteria described in the application), coverage does not continue from one policy/certificate of insurance to another. This means that a new application must be submitted, a new effective date is given, a new pre-existing condition exclusion period begins and a new deductible and out-of-pocket expense must be met. Any medical condition which may have occurred and/or existed under a prior policy/certificate will be treated as a pre-existing condition under the new certificate. Many states have specific rules on the number of times a short term medical plan can be rewritten.