Short Term Medical plans are medically underwritten and do not cover pre-existing conditions. They are not Minimum Essential Coverage under the Affordable Care Act.
National General Accident & Health Markets products underwritten by Time Insurance Company, National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation.
THESE PLANS PROVIDE LIMITED BENEFITS.
SHORT TERM MEDICAL (STM) AND HEALTH CARE REFORM
THIS COVERAGE IS NOT REQUIRED TO COMPLY WITH FEDERAL MARKET REQUIREMENTS FOR HEALTH INSURANCE, PRINCIPALLY THOSE CONTAINED IN THE AFFORDABLE CARE ACT. BE SURE TO CHECK YOUR POLICY CAREFULLY TO MAKE SURE YOU ARE AWARE OF ANY EXCLUSIONS OR LIMITATIONS REGARDING COVERAGE OF PRE-EXISTING CONDITIONS OR HEALTH BENEFITS (SUCH AS HOSPITALIZATION, EMERGENCY SERVICES, MATERNITY CARE, PREVENTIVE CARE, PRESCRIPTION DRUGS, AND MENTAL HEALTH AND SUBSTANCE USE DISORDER SERVICES). IF THIS COVERAGE EXPIRES OR YOU LOSE ELIGIBILITY FOR THIS COVERAGE, YOU MIGHT HAVE TO WAIT UNTIL AN OPEN ENROLLMENT PERIOD TO GET OTHER HEALTH INSURANCE COVERAGE.
THIS POLICY DOES NOT MEET THE DEFINITION OF QUALIFYING PREVIOUS COVERAGE OR QUALIFYING EXISTING COVERAGE. AS A RESULT, IF PURCHASED IN LIEU OF A CONVERSION POLICY OR OTHER GROUP COVERAGE, YOU MAY HAVE TO MEET A PRE-EXISTING CONDITION REQUIREMENT WHEN RENEWING OR PURCHASING OTHER COVERAGE.
