The National Health Insurance Company provides a short term medical plan that is an affordable option for ou. Short Term Medical pays benefits for a pre-determined length of coverage, up to a Coverage Period of $2,000,000 per Covered Person.
You can select from a wide range of deductible and coinsurance options to customize a plan to fit your needs and budget.
NHIC STM Product Highlights:
- Coverage for sickness and accident
- Discounted fees for care via access to Aetna Open Choice PPO Network (includes 6,900 hospitals and 850,000 physicians)
- 2 doctor visits at $50 indemnity per visit, and any overage will be the responsibility of the insured, and will NOT be applied to their deductible, and will NOT be subject to Coinsurance.
- Unlimited Urgent Care visits – $50 (copay), which is paid at the time of the visit, and the deductible is waived… coinsurance WILL apply, and the amount due to the insured will be billed to them.
- Mental Health Benefits included
- 11 month terms available in most states
- No price difference between 6 or 11 month terms
- Flexible plan options:
- Two 6-month term rewrites allowed and One 11-month term rewrite allowed (varies by state regulation)
NHIC STM Product Notes:
Benefit Details
- Doctor’s Office Visits Benefit – Plan will pay up to $50 per visit for the first 2 office visits per coverage term (not subject to deductible or coinsurance). Any additional office visits are subject to the plan deductible and coinsurance. Any amount over the $50 paid for by the plan will be the insured’s responsibility
- Urgent Care Benefit – $50 copay per visit then subject to coinsurance; unlimited visits
- Emergency Room Benefit – Subject to an additional $250 deductible, unless admitted to
hospital; unlimited visits
- Ambulance Benefit – Plan will pay up to $250 per trip; unlimited trips
- Skilled Nursing Facility Benefit – Maximum 50 visits per coverage term; plan will pay up to $150 per day
- Mental Health Outpatient Benefit – Maximum of 10 visits per coverage term; plan will pay up to $50 per day
- Home Healthcare Benefit – Maximum of 60 visits per coverage term; a visit is defined as up to 4 consecutive hours of home healthcare services in a 24 hour period.
- Transplant Benefit – Up to $100,000 per coverage term. All benefits listed are subject to deductible and coinsurance, unless otherwise stated.
NHIC STM Product Overview:
Choosing a plan is as simple as 1-2-3…
1. Choose the deductible
2. Choose the coinsurance
3.Choose the coverage term
Bundle 1
| Deductible |
$1,000 |
| coinsurance |
50% / 50% |
70% / 30% |
80% / 20% |
100% |
| coinsurance Maximum Out-of-Pocket (is addition to deductible ) |
$2,500 |
$1,500 |
$1,500 |
$0 |
| Coverage Team |
6 months or 11 months |
| Coverage Peroid Maximum Amount |
$250,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
| Deductible |
$2,500 |
| coinsurance |
50% / 50% |
70% / 30% |
80% / 20% |
100% |
| coinsurance Maximum Out-of-Pocket (is addition to deductible ) |
$2,500 |
$1,500 |
$1,500 |
$0 |
| Coverage Team |
6 months or 11 months |
| Coverage Peroid Maximum Amount |
$250,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
| Deductible |
$5,000 |
| coinsurance |
50% / 50% |
70% / 30% |
80% / 20% |
100% |
| coinsurance Maximum Out-of-Pocket (is addition to deductible ) |
$3,750 |
$2,250 |
$2,000 |
$0 |
| Coverage Team |
6 months or 11 months |
| Coverage Peroid Maximum Amount |
$250,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
Bundle 2
| Deductible |
$2,500 |
| coinsurance |
70% / 30% |
80% / 20% |
| coinsurance Maximum Out-of-Pocket (is addition to deductible ) |
$20,000 |
$20,000 |
| Coverage Team |
6 months or 11 months |
| Coverage Peroid Maximum Amount |
$2,000,000 |
$2,000,000 |
| Deductible |
$5,000 |
| coinsurance |
70% / 30% |
80% / 20% |
| coinsurance Maximum Out-of-Pocket (is addition to deductible ) |
$20,000 |
$20,000 |
| Coverage Team |
6 months or 11 months |
| Coverage Peroid Maximum Amount |
$2,000,000 |
$2,000,000 |
| Deductible |
$10,000 |
| coinsurance |
70% / 30% |
80% / 20% |
| coinsurance Maximum Out-of-Pocket (is addition to deductible ) |
$20,000 |
$20,000 |
| Coverage Team |
6 months or 11 months |
| Coverage Peroid Maximum Amount |
$2,000,000 |
$2,000,000 |
| Deductible |
$15,000 |
| coinsurance |
70% / 30% |
80% / 20% |
| coinsurance Maximum Out-of-Pocket (is addition to deductible ) |
$20,000 |
$20,000 |
| Coverage Team |
6 months or 11 months |
| Coverage Peroid Maximum Amount |
$2,000,000 |
$2,000,000 |
