Under 65    Over 65    Groups 1-9    Groups 10-99    Groups 100+    Other Plans

Short Term Medical

The Short Term Medical Plan provides health insurance coverage to healthy individuals and/or family members who need coverage for a short period of time. This includes individuals:

• Who reside within the Blue Cross and Blue Shield of Kansas service area (all Kansas counties, except Johnson and Wyandotte)
• Between jobs
• Just graduating from college
• Waiting for permanent medical coverage
• A temporary/seasonal employee
• An early retiree
• A dependent reaching the maximum age of coverage under parent’s plan

How the Program Works

• Select the coverage benefit period that best meets your needs.
• Choose from one to six months of coverage.
• Send the full payment for the period you select at the time of application.
• If your need for short-term insurance continues after your coverage benefit period expires, you may re-apply for coverage one time, for no more than a combined period of 12 months.

Note: You must submit a new application to re-apply for coverage. Any condition, which occurred 12 months prior to the effective date of each new contract or period of coverage, will be considered a pre-existing condition and will not be covered under the new medical plan. This includes when re-applying for a second period of coverage. After the initial application and one subsequent renewal, a six-month waiting period will apply before you may enroll in Short Term Medical again.

Deductible Options
• Option 1 — $500 individual ($1,500 family)
• Option 2 — $1,000 individual ($3,000 family)
• Option 3 — $2,500 individual ($7,500 family)

Coinsurance
After the deductible is met the plan pays 80% of allowed charges for covered services, you pay the remaining 20% to an out-of-pocket maximum of $5,000 individual ($15,000 family).

Maximum Benefit Limit
The maximum benefit for each covered person is $2 million.

Covered Services
Benefits include, but are not limited to these services:

• Emergency care and ambulance services
• Diagnostic radiology and laboratory services
• Physical, speech and occupational therapy
• Standard private duty nursing
• Childhood immunizations (100% of allowed charge)
• Well-child care (standard benefits)
• Inpatient hospital services
• Professional provider services
• Durable medical equipment
• Radiation therapy
• Inpatient and outpatient nervous and mental services (limited)
• Dental services (limited)
• ScriptSave prescription drug discount card (not an insured benefit)

Exclusions

This description of some important features and exclusions of this benefit program is not a legal document. The contract sets forth in detail the rights and obligations of both you and Blue Cross and Blue Shield of Kansas.

Apply for Coverage