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Short-Term Medical

NOTE:  As of 3-23-17, Short-term medical is temporarily suspended.

“Short-Term Medical” policies are temporary medical insurance coverage. This coverage does NOT qualify as health insurance under the requirements of the Affordable Care Act and cannot be used to meet the ACA’s requirement for individual health insurance. They are specifically designed to provide a bridge should you find yourself without coverage until the next enrollment period to get ACA-compliant coverage.

The maximum term length is 3 months. Eligible expenses caused by illness or injury and incurred from any doctor or any hospital within the USA will be reimbursed to you after the deductible.  They permit you to choose your deductible, allowing you to control your coverage and its price. Unlike major medical or long-term plans, short-term medical insurance also allows you to purchase coverage in monthly increments and is paid by credit card in an automatic monthly payment. Coverage can be effective the following day of enrollment. Short-term plans exclude pre-existing condition coverage, meaning that if you have a condition that has required medical attention, that condition would be excluded from coverage under your short-term medical plan.

How coverage works

  • All expenses are applied toward the deductible.
  • Once the deductible has been fulfilled, the policy will cover 100 percent of eligible expenses up to $1 million.

The Short-Term Major Medical plan is set up to be as simple as possible—no copay and no coinsurance. Policy maximum and deductible are per person, per policy period.
There is a choice of $100, $250, $500, $1,000, or $2,500 deductibles.

Eligible Expenses

Hospital Expenses:

All medically necessary expenses while hospitalized including:

  • Hospital room and board limited to semi-private daily rate,
  • Hospital intensive care unit,
  • Emergency room care,
  • Outpatient surgery,
  • Diagnostic services,
  • Supplies and therapy.

Physician Services:

  • All medically necessary expenses for treatment including:
  • Physician services consisting of home, office and hospital visits,
  • Other medical care and treatment,
  • Diagnostic services,
  • Supplies and therapy.

Skilled Nursing Facilities:

Skilled nursing facility room and board, provided confinement begins within 30 days following a medically necessary hospital confinement of three days or longer.

Home Health Care:

All medically necessary expenses if hospitalization would have been required if home health care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.

Ambulance Services Expenses:

To and from a hospital within 100 miles in the same geographic area.

Prescription Drugs:

Outpatient prescription medications covered up to a maximum of $500.

$25,000 Accidental Death: $50,000 if accidental death occurs while riding as a passenger of a common carrier.

Policy Period: The Short-Term Major Medical Plan is a temporary plan and has a maximum policy period of 11 months.

Optional Coverage

Sports or Activities Coverage: If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits will be paid up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is less.

For All Your Insurance Needs

MDA Insurance offers a complete range of insurance solutions to fit your personal and business needs. Please call MDA Insurance at 800.860.2272 or click on the links below for more information.

Click here to apply now

Click here for helpful Short Term Major Medical brochure