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Short Term Medical (STM) Options
View Short Term Medical Policies here
The idea is simple: the short term medical policies provide catastrophic coverage, while the indemnity plan(s) should help you cover the deductible of the short term plan and/or the lost wages, extra bills and costs that usually accompany medical care. The third piece of the puzzle includes medical access and care. We recommend a cash-based Direct Primary Care clinic, like Integrative Family Medicine of Asheville. For a lower priced option, Teladoc or telemedicine is a popular choice. Just ask your agent for the options available in your area.
1. Indemnity
Cash to help cover the bills (or deductible)
- Simply put, an indemnity plan says “If X happens, then you get imbursed $Y”
- Some categories include Hospital, Accident, Cancer, Critical Illness, and others
- Several new Combination or Hybrid Multi-Level indemnity plans are now available
- May be either “fixed” or “coordinated“ indemnity benefit design. ‘Fixed’ is the stated amount, whereas ‘coordinated’ means reimbursement only for actual monies spent.
2. Medical Coverage
Essential catastrophic coverage
- Up to either 3 years -or- 360 days continuous coverage in a single plan
- Deductibles per period are adjustable, from $2500 – $12,500/person
- Does NOT cover pregnancy, mental health or substance abuse.
- May be medically-underwritten. Applicants may be denied, or pre-existing conditions may be excluded from plan coverage.
- Many plans from Hummingbird provide up to $2 million coverage for medical needs.
- Affordable rates! Usually much lower than the ACA premiums.
3. Affordable Primary Care
Provided by Integrative Family Medicine of Asheville (integrativeasheville.org)
- Unique partnership with the #1-rated cash-pay clinic in WNC to lower your entry fee!
- Ask for a referral or mention ‘Hummingbird’ when enrolling to waive the $80/person enrollment fee!
- IFMA provides direct primary care with an integrative focus at reasonable prices.
- Membership-basis with monthly fees allows IFMA to keep copay low at $20/visit
- Membership termination in under 12 months results in $250 early cancellation fee
- Hummingbird clients are buffered from future monthly fee increases for 12 months.
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