Preexisting conditions and complications resulting directly from a preexisting condition are excluded from coverage. View State Variations in your Policy for possible variations in your state.
"Preexisting condition" means a disease or physical condition for which medical advice or treatment was recommended or received by the Covered Person during the 12 months prior to the Covered Person's Effective Date of coverage.
WHAT DOES THAT MEAN FOR ME AT CLAIM TIME:
If you had a preexisting condition and that is what you are filing the claim form, it will not be a covered expense and therefore the claim will be denied for medical expenses related to that preexisting condition.
Read the brochure and Policy carefully. The brochure is a brief description of Short Term Medical Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary and may not be available in all states. You'll find complete coverage details in the policy. Short Term Medical Insurance is underwritten by United States Fire Insurance Company. Short Term Medical does not meet Minimum Essential Coverage as mandated by the Affordable Care Act. Short Term, limited duration plans are not subject to certain provisions of federal health care reform, including provisions related to Essential Health Benefits, lifetime limits, preventive care, guaranteed renewability, and preexisting conditions. The preexisting condition exclusion for Short Term Medical plans will apply for all insureds, including those under the age of 19. Know your plan. Short Term Medical plans offer medical coverage, are medically underwritten (so you can be declined) and do not provide Minimum Essential Coverage.
Important: Healthy America and United Business Association (UBA) are not authorized to pay claims or be involved in the claims decision process. All claim decisions are made by the TPA claims administrator and the insurance carrier.