LifeMap STM

LifeMap STM in Idaho, Montana, Oregon, Washington & Utah

LifeMap Short Term Medical Plan

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.

Individual Short Term Medical Insurance

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.

Medical Coverage for 30 to 90 Days

Valuable medical protection on a short-term basis for people who are:

  • Between jobs, laid off, or on strike.
  • Waiting to be covered under a group medical plan.
  • Waiting for issuance of an individual contract.
  • Recent graduates.
  • Starting a business.
  • Taking time off from school.
  • In need of temporary medical insurance.

Eligibility

You are eligible for this policy if you and any family members who apply for coverage:

  • Are under age 65 and will remain under age 65 for the term of the policy.
  • Unmarried dependent children must be:
    • under age 26
    • dependent upon you for support. Generally, the child must live with you. The exception is when you are legally required to pay for part of the child's support and there is no court order requiring that someone else provide insurance for the child.
  • Are not eligible for Medicare.
  • Are not pregnant. If any member of your family is pregnant, you may not apply for coverage until the pregnancy terminates.
  • Are not covered under any other hospital or medical plan.

Temporary 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.

How the Policy Works

  • You choose the term of coverage - a minimum of 30 days up to the maximum policy term of 185 days.
  • You select the deductible amount - $500, $1,000, $2,500, $5,000 or $7,500 per covered person.
  • After the deductible is met, the policy pays the rate of payment you have selected - either 80% or 50% of the next $10,000 - and then 100% of the balance of covered expenses. We will not pay any amount of expenses which exceed usual and customary or reasonable charges as defined in the policy.
    The policy maximum is $1,000,000 during the policy term per member.

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

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:

  • Hospital room, board, and general nursing care, limited to the hospital’s average semi-private room charge, unless confined in a coronary or intensive care unit.
  • Other hospital services including emergency room, outpatient and ambulatory surgical center charges.
  • Skilled nursing facility room, board, and general nursing care, limited to the facility’s average semi-private room charge, up to a maximum of 100 days (other limitations apply; see your policy for complete description of benefit).
  • Physician services for diagnosis, treatment, and surgery.
  • X-rays, radioactive treatment, and laboratory tests.
  • Breast and pelvic exams, mammograms, and Pap smear exams (if such exams are related to an annual women’s examination).
  • Prostate cancer screening exams.
  • Colorectal cancer screening exams.
  • Anesthesia and oxygen and their administration.
  • Private nursing care by R.N. or L.P.N. in the home (limitations apply). Licensed ambulance service, limited to two trips per illness or injury (other limitations apply; see your policy for complete description of benefit).
  • Physical, occupational, speech and audiological therapy, up to 30 sessions (other limitations apply).
  • Home health care (up to 40 visits) when prescribed by a physician and rendered by a licensed home health agency (see your policy for complete description of benefit).
  • Rental (up to purchase price) of wheel chair, hospital type bed, or other durable medical equipment unique to medical care or treatment.
  • Prosthetic and Orthotic Devices that are medically necessary to restore or maintain the ability to complete activities of daily living or essential job-related activities and that are not solely for comfort or convenience.
  • Blood and blood products, administration of blood, and blood processing.
  • Drugs which require the written prescription of a physician (pre-existing limitations and deductibles apply).
  • Non-prescription elemental enteral formula for home use if the formula is medically necessary for the treatment of severe intestinal malabsorption (see your policy for complete description of benefit).
  • Organ transplants, including heart, kidney, liver and bone marrow transplants, up to a maximum of $250,000 (other limitations apply; see your policy for complete description of benefit).
  • Kidney disease.
  • AIDS, including AIDS, AIDS Related Complex (ARC) or related immuno deficiency disorders.
  • Casts, splints, crutches, orthopedic braces, colostomy bags, catheters, syringes, dressings, and initial contact lens following cataract surgery performed while covered under the policy.

Extension of Benefits While Hospitalized

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:

  1. until the date the member is discharged from the hospital; or
  2. until the date on which the applicable benefit maximums are reached, whichever occurs first.

Limited Pregnancy Benefit

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:

  1. toxemia of pregnancy;
  2. ectopic pregnancy;
  3. nephritis or pyelitis of pregnancy;
  4. puerperal infection;
  5. surgery due to spontaneous termination of pregnancy (miscarriage or missed abortion); or
  6. non-elective cesarean section. All other charges made in connection with pregnancy or childbirth are excluded; and

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.