Health Insurance Plans Selection

Limited-Medical

NHIC STM

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 Period 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 Period 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 Period 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 Period 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 Period 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 Period 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 Period Maximum Amount $2,000,000 $2,000,000

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