There are times in ones life where the need for Short Term Coverage provides a perfect solution for those in between times. Are you changing jobs, graduating from school, waiting for permanent coverage to begin or traveling. These plans help fill gaps in coverage for individuals and their families in times of uncertainty. It is important to note that Short Term Plans are not designed to replace permanent coverage. There are two types of short term plans now available from Assurant Health to California Residents.

Single Pay Short Term Plans: (Assurant Health)

• Choose the duration of coverage from 30 - 185 days
• Choose deductible amount $250, $500, $1,000, $1,500 or $2,000
• Prescription drug coverage (after your deductible has been met)
• After you meet your deductible, the plan pays 80 percent of allowable amount of the first $5,000 of covered services, and 100 percent of allowable amount for covered services in excess of $5,000.
• Have the security of a high, $2 million maximum benfit per policy term

Monthly Payment Plan: (Assurant Health Twelve Month Plan)

Pair Your Health Plan with Supplemental Coverage Options... (not available in all states)

Accident - CASH benefits to help pay the unpredictable costs that come with accidental injuries. Whether an injury is yours, your spouse's or your child's, it can mean spending money you didn't plan to, worrying about where you'll get the cash for medical costs or worse yet, lost income. With Assurant Accident Coverage, you get cash benefits for treatment of injuries and they're benefits paid in addition to any other coverage you may have. Best of all, it's cash in hand you can us any way you choose, which helps you and your family focus on healing.

• Cash benefits add up - you get multiple cash benefits, paid for each covered injury or service - even for the same accident
• Benefits while you recover - including follow-up treatment, physical therapy and prosthetics
• No overall annual or lifetime limits - benefits available no matter how many times you need them
• Benefits begin immediately - no waiting period
• Choose any doctor or hospital for services - no netwrok restrictions
• No preauthorization required

Critical Illness

Cash benefits to help pay the overwhelming costs that come with a critical illness. Critical Illness Coverage give you a lump sum cash payment at the first diagnosis of a critical illness. The benefit can help you face out-of-pocket medical costs, unforseen additional expenses and everyday bills, and is especially reassuring if you're also impacted by lost income. You receive your cash benefit directly and can use it any way you choose, which helps you focus on your recovery.

SuiteSolutions

Today, many people are choosing major medical plans with higher deductibles to keep premiums at a level that fits their budgets. Secure Solution and SelectSolution compliment higher deductible plans with benefits that help you pay out-of-pocket health related expenses. Both plans are brought to you through your membership in Health Advocates Alliance.

Dental Coverage

Cash Benefits to help pay for dental check ups and treatment. Regular dental care can mean more than a brighter smile and a better quality of life it could also mean better overall health. Dental Coverage pays cash benefits when you or your family members receive dental check ups and treatment, making it easier to keep up with regular visits to the dentist, and lead a healthier life.