LifeMap short-term medical insurance plans are available through this site in Idaho, Montana, Oregon, Washington & Utah. We provide quotes and online applications to make the process easy for you to secure quality temporary medical insurance coverage.
Following is a very brief description of the important features of the policy. This is not the insurance contract and only the actual policy provisions will govern. Please refer to the policy for a detailed description of the rights and obligations of both you and LifeMap Assurance Company.
This short-term medical policy is non-renewable.
Designed for healthy people who have a temporary need for medical coverage. Gives you peace of mind by providing coverage for injuries and sudden-onset illnesses.
Valuable medical protection on a short-term basis for people who are:
You are eligible for this policy if you and any family members who apply for coverage:
Short Term Medical Insurance is designed to provide medical coverage on a temporary basis to fill a temporary need. It cannot be renewed and is not intended to replace permanent coverage. However, if the temporary need continues, you may apply for one new policy within a 12-month period (except in Idaho where you can only have one policy per 12 month period).
Important Note: There is no continuous coverage between policies. Any condition which may have existed or occurred under one policy will be a pre-existing condition under the subsequent policy, and therefore, will not be covered under the subsequent policy.
No family will be required to satisfy more than a total of three times the individual deductible. Covered expenses for all eligible family members may be accrued to satisfy the family deductible.
Covered expenses are charges for services or supplies prescribed by a physician for treatment of an illness or injury covered by your policy. The charges must be incurred for medically necessary care while the policy is in effect. A covered expense is incurred on the date a service is rendered or received and may not exceed the usual and customary or reasonable charge as defined by the policy.
Subject to the exclusions, limitations and conditions described in the policy, the following services and supplies will be considered covered expenses:
If a member is confined to a hospital on the expiration date of this policy, that member's coverage under the policy will continue without payment of additional premium.
Coverage will continue:
Covered expenses with respect to the pregnancy benefit are limited to services and supplies that are:
1. Provided in direct connection with the treatment of an involuntary complication of pregnancy.
The term "involuntary complication of pregnancy" includes, but is not limited to:
2. Incurred while the member is insured under the policy.
This is not the insurance contract and only the actual policy provisions will govern. Please refer to the policy for a detailed description of the rights and obligations of both you and LifeMap Assurance Company.
Short Term Medical plans do not meet ACA requirements as eligible minimum coverage.
Do not cancel your current health insurance until you receive written confirmation from the Insurance Company that your new policy is in effect. Filling our an application form does not guarantee coverage.
FAMILY / INDIVIDUAL HEALTH INSURANCE PLANS ARE NOT "GUARANTEED ISSUE" PRODUCTS AND REQUIRE MEDICAL UNDERWRITING BEFORE BEING ISSUED.
stmnw.com is a web site from CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering products to the general public and also to medicare recipients. We do our best to assure that all information presented on our web site is current and accurate. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.
CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering short term medical insurance plans. Please be aware that these policies are temporary insurance plans and not recommended as a replacement for permanent health insurance plans that are available. Additionally, these plans DO NOT satisfy ACA requirements for qualifying health plans.