NEW Humana Short Term Medical Plans

Humana has entered the Short Term insurance market within the past month month and is the only insurance  carrier that does not ask the question if you have been "declined" for prior coverage.  Until now, if you were, short term coverage could not have been offered.


So....this means that anyone who has been declined coverage and is currently left uninsured...there is an option!!


With Humana's new plans, there are only three medical questions asked, and coverage is only offered if you can answer "no" to all 4 medical questions:

1. Is any immediate family member or the proposed insured pregnant , an expectant parent, in the process of adopting a child or undergoing current fertility treatment?
2. Have you or spouse been residing in the U.S. for less than 6 months?
3. Are you or spouse over 300lbs if male, or over 250lbs if female?
4. For any of the following conditions, has any of the proposed insureds received, in the past 5 years, any:
• abnormal test results
• medical or surgical consultation
• treatment or advice
• consulted a health care professional
• or taken medication for..........
• DIABETES / EMPHYSEMA / CANCER OR TUMOR / STROKE / HEART DISORDER INCLUDING BUT NOT LIMITED TO HEART ATTACK OR CHEST PAIN / KIDNEY DISORDER / ALCHOLISM / DRUG ABUSE / AIDS

As long as you can answer "no" to all 4 questions then coverage can be issued as soon as the following day.  You have the option of purchasing coverage for:

• one month
• month-month up to 6 months
• month-month up to 12 months

These plans are not meant to cover pre-existing medical conditions (ADD,ASTHMA,HBP,ANXIETY...), but are there to protect against risk on a large claim due to accident or illness.

Plans are offered with 80% or 100% coverage after the deductible and begin at $80/month for a $2500 deductible with 100% coverage after.

G*d forbid, you were to be hit by a car, brake your leg, fall down the stairs or even have an emergency appendectomy, you would only owe $2500 on claims grossing more that $15,000.  That sounds like a bargain to the shoppe.

Click on the link to quote.

-The Shoppe