Philadelphia American has rolled out the  Short Term Medical Plans in AL, AZ, GA, IL, LA, MS, MO, PA, OH, OK, SC, TN & TX. This product will soon roll-out in addition markets. Philadelphia American is working hard to make sure that you have smart and affordable options for your clients.

By purchasing a Short-Term Medical plan the insured pays for coverage that they need and can afford. This plan will pay benefits from $250,000 – $1,000,000 per person during the selected benefit period. The plan also provides 3 doctors visits @ $30 copay.

Short-Term Medical pays for unexpected illness or injury versus the more expensive mandatory coverage options required by the Affordable Care Act. (ACA)

With this plan there is a choice of four deductible options. Maximum of two deductibles per policy. 20% discount for single-pay and annual payment available. 

DEDUCTIBLE PER PERSON
$1,000
$2,500
$5,000
$10,000

There is two choices of coinsurance options.

  • 75/25%: Out-of-pocket max is $2,500 per person with a maximum of two coinsurance amount per policy.
  • 50/50%: Out-of-pocket max maximum is $5,000 per person with a maximum of two coinsurance amounts per policy.

After coinsurance has been satisfied then the plan pays 100% of the additional eligible expenses up to the policy maximum.

NOTE: A Gap Plan cannot be written to supplement a Hospital Medical Coverage Policy. 

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