Interim Coverage - IHC Specialty Benefits, Inc.€¦ · It is important that you understand what you’re buying so that you can make a fully informed choice for you and your family

Brochure Interim Coverage AZBlue 0219

Short-term medical insurance for individuals and families.

Underwritten by Independence American Insurance Company (IAIC), a member of The IHC Group. For more information about IAIC and The IHC Group, visit www.ihcgroup.com. This product is not considered to be minimum essential coverage as defined by the Affordable Care Act. This product is administered by The Loomis Company.

Short-term medical plans are offered by The IHC Group and underwritten by Independence American Insurance Company (IAIC), a member of The IHC Group. The IHC Group, IAIC, and The Loomis Company are independent companies that do not provide, offer, or sell BCBSAZ products or services and are solely responsible for the products and services they provide.

Interim Coverage

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Interim Coverage: A short-term solution to keep you protected

When circumstances leave you temporarily uninsured, short-term medical (STM) insurance helps protect you during coverage gaps.

Interim Coverage offers several benefit options that allow you to find the right answer for your specific coverage needs. Short-term medical insurance provides limited-duration coverage for 30 to 180 days in Arizona.

Why STM insurance?STM insurance plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, STM insurance policies pay for covered medical expenses resulting from unexpected illnesses or injuries. Covered expenses include diagnostic doctor visits, emergency room treatment, hospital stays, surgery, intensive care, and more, but do not include maternity care or outpatient prescription drugs.

AffordableSTM insurance policies are affordable. STM insurance provides limited benefits and requires you to answer medical history questions in order to qualify for coverage.

CustomizableSelect from various benefit levels that best meet your insurance and premium needs. You can also add other coverage, such as dental insurance or a discount prescription drug program.

ConvenientCoverage can begin as early as the day following acceptance of your online application. In addition, policy forms and ID cards, as well as claims information, are available online.

An STM policy may be right for you if you:• Have missed the open enrollment period and aren’t eligible for special enrollment under the Affordable Care

Act (ACA)

• Are waiting for your ACA coverage to start

• Are waiting for health insurance benefits to begin at a new job

• Are looking for coverage to bridge you to Medicare

• Need an alternative to COBRA

STM policies provide flexible temporary coverage. It is important that you understand what you’re buying so that you can make a fully informed choice for you and your family.


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Doctor office visit copay $50 copay per visit, subject to limits below

• 30-180 day coverage period: not to exceed two visits

Additional office visits as well as covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests, will be subject to the plan’s deductible and coinsurance.

Deductible Deductible

The selected deductible maximum is an amount of money that must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: When three covered persons in a family each satisfy their deductible, the deductibles for any remaining covered family members are considered satisfied for the remainder of the coverage period.

• $2,500• $5,000• $10,000

Coinsurance percentage and out-of-pocket maximum Coinsurance Out-of-pocket maximum

After the deductible maximum amount has been met, you pay the selected coinsurance percentage of covered expenses until the out-of-pocket maximum amount has been reached.

The out-of-pocket maximum amount is specific to expenses applied to the coinsurance percentage. It does not include covered expenses applied to the deductible, precertification penalty amounts, or expenses not covered under the policy.

Once the deductible and out-of-pocket maximum amounts have been satisfied, additional covered expenses within the coverage period are paid at 100 percent, not to exceed the coverage period maximum benefit amount. Benefit-specific maximums may also apply.

20%

30%

50%

$4,000

$6,000

$5,000 or $10,000

Coverage period maximum benefit $2,000,000

Plan selectionAll benefits listed apply per covered person, per coverage period. The amount of benefits provided depends on the plan selected, and the premium will vary with the amount of benefits selected.

Keep the following in mind as you plan for your needs and explore your options:• STM plans do not meet the minimum essential coverage requirements under the ACA. STM plans are designed to

provide temporary healthcare insurance during unexpected coverage gaps.

• The ACA-compliant medical plans are guaranteed issue, meaning you cannot be denied coverage based on your health history. STM plans are underwritten, which means you must answer a series of medical questions when applying for coverage. Based on your answers, you may be declined for coverage.

• Unlike ACA plans, which are required to cover the 10 essential health benefits (EHBs), STM policies are not required to cover EHBs at the same benefit level as an ACA plan. Policies will vary in what they cover, so you should check your policy’s details carefully.


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Covered expensesAll benefits, except doctor office visits applied to the copay, are subject to the selected plan deductible maximum and coinsurance percentage. Covered expenses are limited by the usual, reasonable, and customary charge, as well as any benefit-specific maximum, as listed in the schedule of benefits. If a benefit-specific maximum does not apply to the covered expense, benefits are limited by the coverage period maximum.

• Inpatient hospital room and board and general nursing carefor the amount billed for a semi-private room, or 90 percentof the private room billed amount (only if semi-private is notoffered)

• Emergency room treatment for services, supplies, andtreatment

• Intensive or specialized care unit, provided four or morehours of nursing care is being provided each day

• Doctor office visits

• Surgeon services for covered expenses incurred from adoctor performing surgery in either an inpatient oroutpatient setting

• Ambulatory surgical center or outpatient hospital surgery fortreatment or services in a state-approved freestandingambulatory surgical center that is not part of a hospital, or ahospital outpatient surgery facility

• Ambulance services for local licensed ground ambulanceservice, or air ambulance service within the 48 contiguousstates, to the nearest hospital qualified to treat the coveredinjury or sickness; such service must be medically necessarydue to a suddenand unexpected injury or sickness that involves alife-threatening element

• Assistant surgeon services in the performance of a surgery

• Blood or blood plasma and their administration, if notreplaced

• Acquired immune deficiency syndrome (AIDS), payable thesame as any other sickness

• Organ or tissue transplants, including bone marrowtransplants (See policy for full listing.)


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• Surgeon’s assistant services for an assistant to the doctorperforming the surgery

• Services when a doctor administers anesthetics

• Home health services that are performed by a licensed homehealth agency and that a doctor has prescribed in lieu ofhospital services, providing the hospital services would havebeen covered

• Inpatient miscellaneous medical expense services forservices and supplies provided on an inpatient basis in ahospital; miscellaneous charges do not include charges for atelephone, radio, television, extra beds or cots, meals forguests, take-home items, or other items of convenience

• Inpatient doctor visits for treatment provided by a doctorduringa hospital confinement

• Complications of pregnancy; treatment for complications ofpregnancy on the same basis as any other sickness

• Cosmetic or reconstructive surgery (except breastreconstructive surgery), for cosmetic or reconstructivesurgery and complications of cosmetic procedures (Seepolicy for full listing.)

• Breast reconstructive surgery for a covered mastectomysurgery while such person’s coverage under this policy is inforce

• Dental treatment for treatment or care required as a result ofa covered injury to a tooth that is natural, free of disease,and vital, where the major portion of the tooth is present,regardless of fillings or caps

• Cancer clinical trial coverage (See policy for full listing.)

• Medical foods (See policy for full listing.)

• Artificial limbs or eyes

• Casts, non-dental splints, trusses, crutches, ornon-orthodontic braces

• Equipment rental for a wheelchair, hospital-type bed, orsimilar durable medical equipment; at our option, benefitsmay be available for purchase of such equipment, payable inmonthly installments, while your coverage remains in forceunder the policy

• Oxygen and rental of equipment for the administration ofoxygen, not to exceed the purchase price of such equipment

• Diagnostic testing services for diagnostic tests, includingrelated professional fees, incurred on an outpatient basis;diagnostic tests include X-rays, laboratory tests,electrocardiograms (EKGs), electroencephalograms (EEGs),nuclear medicine imaging, radioimmune assays, ultrasound/echography, computerized tomography (CT), magneticresonance imaging (MRI), cholecystography,cytourethroscopy, endoscopy, duodenoscopy,hysterosalpingography, laparoscopy, myelography,pyelography, pancreatography, vasography, and venography

• Therapy services for treatment provided by a physicaltherapist, inhalation therapist (respiratory), and speechtherapist for diagnosis and rehabilitative treatment

• Radiation therapy and chemotherapy services for therapeutictreatment of covered benign and malignant conditions,including charges for X-rays, radium, radioactive isotopes,and chemotherapy drugs and supplies used in treatment

• Enteral formulas and low-protein food products for metabolicformula and special modified low-protein food products thathave been prescribed by a licensed doctor for a coveredperson with an inborn error of metabolism; reimbursementincludes metabolic formula and special modified low-proteinfood products

• Amino acid-based formula that is ordered by a doctor or aregistered nurse practitioner (See policy for full listing.)

These services are not subject to the deductible:

• Mammography, Pap smear and prostate antigen test(covered at specific age intervals and when recommendedby a physician)

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EligibilityAt time of application, Interim Coverage is available to the primary applicant from age 18 through age 64, his or her spouse or domestic partner age 18 through age 64, and dependent children under the age of 26. A child-only plan is available for children age 2 up to age 18.

Payment options to suit your situationThese plans offer a single or monthly premium payment by credit card or automatic bank withdrawal.

10-day right to return periodIf for any reason you are not satisfied with the policy, you may return it to us within 10 days after you receive it and you will be issued a refund. The refund will include any premium paid minus the enrollment and administrative fees. Your coverage issued under the policy will then be void, as though coverage had not been issued.

Usual, reasonable, and customary chargeCharges for services and supplies, which are the lesser of (a) the charge usually made for the service or supply by the doctor or facility that furnished it; (b) the negotiated rate; and (c) the reasonable charge made for the same service or supply in the same geographic area.

Pre-existing condition limitation and definitionA pre-existing condition is defined as any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation, or medication was recommended by or received from a doctor within 5 years immediately preceding the covered person’s effective date of coverage, or symptoms within the 5 years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care, or treatment, will not be a covered benefit. Consultation means evaluation, diagnosis, or medical advice was given with or without the necessity of a personal examination or visit.

PrecertificationPrecertification is required prior to each inpatient confinement for injury or illness and outpatient chemotherapy or radiation treatment, at least ten days prior to receiving treatment. Emergency inpatient confinements must be precertified within 48 hours following the admission, or as soon as reasonably possible. Precertification may also be conducted for a continued stay review for an ongoing inpatient confinement. Benefits are not paid for days of inpatient confinement that extend beyond the number of days deemed medically necessary. Failure to complete precertification will result in a benefit reduction of 50 percent of what would have otherwise been paid, unless the covered person is incapacitated and unable to contact the administrator. Precertification is not a guarantee of benefits.

Hospital and confinement definitionsHospital means an institution that is legally constituted and operated in accordance with the laws pertaining to hospitals in the jurisdiction where it is located, and meets all of the following requirements:

• It is engaged primarily in providing medical care and treatmentto sick and injured persons on an inpatient basis at thepatient’s expense.

• It provides 24-hours-a-day nursing service by a nurse.

• It is under the supervision of a staff of duly-licensed doctors.

• It provides organized facilities for diagnosis and for majoroperative surgery either on its premises or in facilities availableon a prearranged basis.

It is not primarily a clinic, nursing home, rest or convalescent home, extended-care facility, hospice, or similar establishment or, other than incidentally, a place providing care for persons with mental illness or nervous disorders, the aged, or those suffering from alcoholism or drug addiction.

Confinement in a special unit of a hospital used primarily as a nursing, rest, or convalescent home shall be deemed to be confinement in an institution other than a hospital.

Provider networkNo network restrictions.

• Use any licensed provider or facility in the U.S. for covered services.

• Data iSight’s® technology solution works to negotiate discounts with healthcare providers on yourcovered claims.

Renewability of coverageSTM insurance is non-renewable. In Arizona, you are allowed to apply for another STM insurance plan as long as you do not exceed 365 days of continuous coverage. A one-day break in coverage is required before you are eligible to apply for a new policy. Your application is subject to eligibility, underwriting requirements, and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance, and pre-existing condition limitation.



ExclusionsThe following list of exclusions is a partial list of services or charges not covered. Check your policy for a full listing.

• Expenses for the treatment of pre-existing conditions, asdefined in the pre-existing conditions limitation provision

• Expenses incurred prior to the effective date of a coveredperson’s coverage or incurred after the expiration date,regardless of when the condition originated, except inaccordance with the extension of benefits provision

• Expenses to treat complications resulting from treatment,drugs, supplies, devices, procedures, or conditions that arenot covered under the policy

• Expenses incurred for experimental or investigationalservices or treatment or unproven services or treatment

• Expenses for purposes determined to be educational

• Amounts in excess of the usual, reasonable, and customarycharges made for covered services or supplies

• Expenses you or your covered dependent are not required topay, or that would not have been billed if no insuranceexisted

• Expenses to the extent that they are paid or payable underanother insurance or medical prepayment plan

• Charges that are eligible for payment by Medicare or anyother government program except Medicaid

• Expenses for care in government institutions, unless you oryour covered dependent is obligated to pay for such care

• Expenses for which benefits are paid or payable underworkers’ compensation or similar laws

• Medical expenses that are payable under any automobileinsurance policy, without regard to fault (does not apply inany state where prohibited)

• Expenses incurred by a covered person while on active dutyin the armed forces; upon written notice to us of entry intosuch active duty, the unused premium will be returned toyou on a pro-rated basis

• Expenses resulting from a declared or undeclared war, orfrom voluntary participation in a riot or insurrection

• Expenses incurred while engaging in an illegal act oroccupation or during the commission, or the attemptedcommission, of a felony or assault

• Expenses for the treatment of normal pregnancy orchildbirth, except for complications of pregnancy

• Expenses for normal newborn care, unless specificallycovered in the policy in section 3 iii, newly acquireddependents, or section 4 b covered benefits, unless thecharges are medically necessary to treat premature birth,congenital injury or sickness, or sickness or injury sustainedduring or after birth

• Expenses for voluntary termination of normal pregnancy,normal childbirth, or elective cesarean section

• Expenses incurred for any drug, including birth control pills,implants, injections, supply, treatment device, or procedurethat prevents conception or childbirth

• Expenses for the diagnosis and treatment of infertility,including, but not limited to, any attempt to inducefertilization by any method, in vitro fertilization, artificialinsemination, or similar procedures, whether the coveredperson is a donor, recipient,or surrogate

• Expenses for sterilization or reversal of sterilization

• Expenses related to sex transformation, penile implants, orsexual dysfunction or inadequacies

• Expenses for physical exams or other services not neededfor medical treatment, except as specifically covered

• Expenses for prophylactic treatment, including surgery ordiagnostic testing, except as specifically covered

• Expenses for the treatment of mental illness or nervousdisorders, including, but not limited to, neurosis,psychoneurosis, psychopathy, psychosis, attention-deficitdisorder, autism, hyperactivity, or mental or emotionaldisease or disorderof any kind

• Expenses for the treatment of alcoholism or alcohol abuse,chemical dependency, substance abuse, or drug addiction

• Expenses incurred for loss sustained or contracted inconsequence of the covered person being intoxicated orunder the influence of any narcotic, unless administered onthe advice of a doctor; intoxication shall be establishedconclusively by a blood alcohol level of .10 or the legal limitin the state where the incident occurred, whichever is less

• Expenses incurred in connection with programs, treatment,or procedures for tobacco use cessation

• Expenses resulting from suicide or attempted suicide orintentionally self-inflicted injury, while sane or insane

• Expenses for dental treatment or care or orthodontia orother treatment involving the teeth or supporting structures,except as specifically covered

• Expenses incurred in the treatment, by any method, for jawjoint problems, including temporomandibular jointdysfunction (TMJ), TMJ pain syndromes, craniomandibulardisorders, myofacial pain dysfunction, or other conditions ofthe joint linking the jawbone and skull and the complex ofmuscles, nerves, and other tissues related to the joint

• Expenses of radial keratotomy or correction of refractiveerror, eye refractions, vision therapy, routine vision examsto assess the initial need for or changes to prescriptioneyeglasses or contact lenses, the purchase, fitting, oradjustment of eyeglasses or contact lenses, or treatment ofcataracts


• Expenses for routine hearing exams to assess the need for or change to hearing aids, or the purchase, fitting, or adjustment of hearing aids

• Expenses for cosmetic or reconstructive procedures, services, or supplies, except as specifically covered

• Expenses for breast reduction or augmentation, or complications arising from these procedures, except as specifically covered in the benefit section

• Outpatient prescriptions, medications, vitamins, and mineral or food supplements, including prenatal vitamins, or any over-the-counter medicines, whether or not ordered by a doctor, unless shown as included in the schedule of benefits. If shown as included, then prescription drugs shall not be limited for drugs prescribed for the treatment of cancer on the basis that the prescription drug has not been approved by the U.S. Food and Drug Administration for the treatment of the specific type of cancer for which the prescription drug has been prescribed, if the prescription drug has been recognized as safe and effective for treatment of that specific type of cancer in one or more of the standard medical reference compendia

• Expenses incurred in connection with any drug or other item used to treat hair loss

• Expenses incurred in the treatment of weak, strained, flat, unstable, or unbalanced feet, metatarsalgia, bunions, spurs, or the removal of corns, calluses, or toenails, unless specifically for the treatment of a metabolic or peripheral vascular disease or for the prompt repair of an injury sustained while coverage is in force for the covered person

• Expenses incurred in the treatment of acne or varicose veins

• Expenses for weight loss programs or diets

• Transportation expenses, except as specifically covered

• Expenses for rest or recuperation cures or care in an extended-care facility, convalescent nursing home, a facility providing rehabilitative treatment, skilled nursing facility, or home for the aged, whether or not part of a hospital

• Expenses for services or supplies for personal comfort or convenience, including homemaker services or supportive services focusing on activities of daily life that do not require the skills of qualified technical or professional personnel, including, but not limited to, bathing, dressing, feeding, routine skin care, bladder care, and administration of oral medications or eye drops

• Expenses for services or supplies furnished or provided by a member of your immediate family

• Expenses for diagnosis or treatment of a sleeping disorder

• Expenses incurred in the treatment of injury or sickness resulting from participation in skydiving, scuba diving, hang or ultralight gliding, riding an all-terrain vehicle such as a dirt bike, snowmobile, or go-cart, racing with a motorcycle, boat, or any form of aircraft, any participation in sports for pay or profit, or participation in rodeo contests

• Expenses for the purchase of a noninvasive osteogenesis stimulator (bone stimulator)

• Expenses for services or supplies for common household use, such as exercise cycles, air or water purifiers, air conditioners, allergenic mattresses, and blood pressure kits

• Expenses for participating in any interscholastic, intercollegiate, or professional sport, contest, or competition while practicing, exercising, or undergoing conditioning or physical preparation for any such sport, contests, or competition

• Treatment, services, or supplies received or purchased outside the United States beyond the amount shown in the schedule, unless the charges are incurred while traveling on business or for pleasure for a period not to exceed 90 days and the charges are incurred for emergency care, provided the treatment, services, or supplies used in connection with the emergency care are approved for use in the United States

• Expenses for private-duty nursing services

• Expenses for the repair or maintenance of a wheelchair, hospital-type bed, or similar durable medical equipment

• Expenses for orthotics, special shoes, spine and arch supports, heel wedges, sneakers, or similar devices, unless they are a permanent part of an orthopedic leg brace

• Expenses incurred in connection with the voluntary taking of a poison or inhaling of gas

• Expenses incurred in connection with obesity treatment or weight reduction, including all forms of intestinal and gastric bypass surgery, including the reversal of such surgery, even if the covered person has other health conditions that might be helped by a reduction of obesity or weight

• Expenses for marital counseling or social counseling

• Expenses for acupuncture

• Expenses for a service or supply when the primary purpose is to provide a covered person with (1) training in the requirements of daily living; (2) instruction in scholastic skills, such as reading and writing; (3) preparation for an occupation; (4) treatment for learning disabilities, developmental delays, or dyslexia; or (5) development beyond a point where function has been demonstrably restored

• Expenses for replacement of artificial limbs or eyes

• Expenses for removal of breast implants

• Expenses that do not meet the definition of or are not specifically identified under the policy as covered expenses

Important informationThis coverage is not required to comply with certain 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). Your policy might also have lifetime and/or annual dollar limits on health benefits. 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 brochure provides a very brief description of the important features of STM insurance. This brochure is not a policy, and only the actual policy provisions will control. The policy itself sets forth in detail the rights and obligations of both the policyholder and the insurance company. It is, therefore, important that you READ THE POLICY CAREFULLY. For complete details, refer to the Short Term Medical Expense Insurance Policy Form #IAIC ISTM POL AZ 0315.

About the companies

Independence American Insurance CompanyIndependence American Insurance Company is domiciled in Delaware and licensed to write property and/or casualty insurance in all 50 states and the District of Columbia. Its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating is A.M. Best’s highest rating).

The IHC GroupIndependence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in underwriting, administering, and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance, through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to as “The IHC Group”). The IHC Group includes three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc., and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven full-service marketing and distribution company that focuses on small employer and individual consumer products through general agents, telebrokerage, call centers, advisors, private label arrangements, and independent agents, and through the following brands: www. HealtheDeals.com; Health eDeals Advisors; Aspira A Mas; www.PetPartners.com; and www.PetPlace.com.



Blue Cross® Blue Shield® of ArizonaBlue Cross Blue Shield of Arizona (BCBSAZ) is committed to helping Arizonans get healthier faster and stay healthier longer. With a focus on connecting people with the care they need, BCBSAZ offers health insurance and related services to nearly 1.5 million customers.* BCBSAZ, a not-for-profit company, is an independent licensee of the Blue Cross and Blue Shield Association. The company employs nearly 1,500 people in its Phoenix, Chandler, Flagstaff, and Tucson offices.

*Source: Blue Cross Blue Shield of Arizona

The Loomis CompanyThe Loomis Company (Loomis), an administrator for Independence American Insurance Company, founded in 1955, has been a leading Third Party Administrator (TPA) since 1978. Loomis has strategically invested in industry-leading ERP platforms, and partnered with well-respected companies to enhance and grow product offerings. Loomis supports a wide spectrum of clients, from self-funded municipalities, school districts, and employer groups to large fully insured health plans that operate on and off state and federal marketplaces. Through innovation and a progressive business model, Loomis is able to fully support and interface with its clients and carriers to drive maximum efficiencies required in the ever-evolving healthcare environment.

4838

16-1

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P.O. Box 13466, Phoenix, AZ 85002-3466

D21562A 01/19

Got a gap in your health insurance coverage? Fill it with Interim Coverage. Learn more now!

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Interim Coverage - IHC Specialty Benefits, Inc.€¦ · It is important that you understand what you’re buying so that you can make a fully informed choice for you and your family