March 16, 2010

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American Community – Short Term Medical Expense Policy – MISSOURI

A comparison of the Short Term Medical Expense Policy offered by American Community is detailed out below for both Network and Non-Network coverage.

  Network Non-Network
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Network See Provider See Provider
Application Short Term Medical Expense Policy Application Short Term Medical Expense Policy Application
Brochure Short Term Medical Expense Policy Brochure Short Term Medical Expense Policy Brochure
Copay N/A N/A
Office Visit Subject to deductible and coinsurance. Subject to deductible and coinsurance.
Deductible
  • $500
  • Deductible is per person, per term of insurance. Three person maximum.
    		•
  • $500
  • Deductible is per person, per term of insurance. Three person maximum.
    		•
    Coinsurance Short Term Medical Expense Policy Short Term Medical Expense Policy
    Coinsurance Limit Short Term Medical Expense Policy Short Term Medical Expense Policy
    Out-of-Pocket Maximum Short Term Medical Expense Policy Short Term Medical Expense Policy
    Lifetime Maximum $2,000,000 $2,000,000
    Prescription Drugs
  • Discount prescription drug card.
  • Subject to deductible and coinsurance while confined.
    		•
  • Discount prescription drug card.
  • Subject to deductible and coinsurance while confined.
    		•
    Emergency Room Subject to deductible and coinsurance. Subject to deductible and coinsurance.
    Adult Preventative Care Not covered except for mammograms. Not covered
    Child Preventative Care Not covered Not covered
    Lab / X-Ray Subject to deductible and coinsurance. Subject to deductible and coinsurance.
    Maternity Not covered, except complications of pregnancy. Not covered, except complications of pregnancy.
    Physical Therapy
  • Physical, occupational and speech therapies- subject to deductible and coinsurance.
  • $1,000 per term.
    		•
  • Physical, occupational and speech therapies- subject to deductible and coinsurance.
  • $1,000 per term.
    		•
    Skilled Nursing
  • Subject to deductible and coinsurance.
  • $75/day, 30 days per term.
    		•
  • Subject to deductible and coinsurance.
  • $75/day, 30 days per term.
    		•
    Home Health Care Subject to deductible and coinsurance. Subject to deductible and coinsurance.
    Mental Health Not covered Not covered
    Hospital Care Subject to deductible and coinsurance. Subject to deductible and coinsurance.
    Optional Benefits Short Term Medical Expense Policy Short Term Medical Expense Policy