Page 1 - Comparative-Benefits-STM-Plans
P. 1
Short Term Medical Plans
Comparison of Products’ Feature and Benefits
Sl. No. Plan Features Connect Plus Connect STM Connect Value Remarks
1 Physician office Visit - 180 day, 364 day plans 180 day, 364 day plans 180 day, 364 day plans
$50 $50 $50 If a person has 180
Copay 2 copays only for 180 days 2 copays for 180 days of 2 copays only for 180 days of days plan, and the
of coverage; coverage; coverage; doctor’s office fees is
2 Deductible 3 copays for 180 to 364 days $300, your copay is
3 copays only for 364 days of coverage. 3 copays only for 364 days of $50. The balance of
of coverage coverage $250 are picked by
After the copay, the insurance. This typically
After the copay, the balance of the doctor office After the copay, the balance 2 months of premium
balance of the doctor visit charge is covered 100% of the doctor office visit payment.
office visit charge is charge is covered 100%
covered 100% Additional covered For 180 days plans,
expenses incurred during Additional covered expenses there are two copays
Additional covered office visit, including incurred during office visit, only visits to doctor,
expenses incurred during expenses for laboratory and including expenses for typically 90 days apart.
office visit, including diagnostic tests will be laboratory and diagnostic So, and person can go
expenses for laboratory subject to plan deductible tests will be subject to plan twice in six months for
and diagnostic tests will be and coinsurance. deductible and coinsurance. price of $100.
subject to plan deductible
and coinsurance. $2,500 $1,000
$5,000 $2,500
$5,000 $10,000 $5,000
$10,000
3 Coinsurance / Out-of- 30% / $6,000 20% / $4,000 20% /$2,000 or $4,000
Pocket Max excluding 50% / $10,000 30% / $6,000 50% /$10,000
deductible 50% / $5,000 or $10,000
4 Pre-exiting Conditions Primary insured: $25,000 Not covered Not covered
coverage Covered Spouse: $25,000
Covered Children: $25,000
Comparison of Products’ Feature and Benefits
Sl. No. Plan Features Connect Plus Connect STM Connect Value Remarks
1 Physician office Visit - 180 day, 364 day plans 180 day, 364 day plans 180 day, 364 day plans
$50 $50 $50 If a person has 180
Copay 2 copays only for 180 days 2 copays for 180 days of 2 copays only for 180 days of days plan, and the
of coverage; coverage; coverage; doctor’s office fees is
2 Deductible 3 copays for 180 to 364 days $300, your copay is
3 copays only for 364 days of coverage. 3 copays only for 364 days of $50. The balance of
of coverage coverage $250 are picked by
After the copay, the insurance. This typically
After the copay, the balance of the doctor office After the copay, the balance 2 months of premium
balance of the doctor visit charge is covered 100% of the doctor office visit payment.
office visit charge is charge is covered 100%
covered 100% Additional covered For 180 days plans,
expenses incurred during Additional covered expenses there are two copays
Additional covered office visit, including incurred during office visit, only visits to doctor,
expenses incurred during expenses for laboratory and including expenses for typically 90 days apart.
office visit, including diagnostic tests will be laboratory and diagnostic So, and person can go
expenses for laboratory subject to plan deductible tests will be subject to plan twice in six months for
and diagnostic tests will be and coinsurance. deductible and coinsurance. price of $100.
subject to plan deductible
and coinsurance. $2,500 $1,000
$5,000 $2,500
$5,000 $10,000 $5,000
$10,000
3 Coinsurance / Out-of- 30% / $6,000 20% / $4,000 20% /$2,000 or $4,000
Pocket Max excluding 50% / $10,000 30% / $6,000 50% /$10,000
deductible 50% / $5,000 or $10,000
4 Pre-exiting Conditions Primary insured: $25,000 Not covered Not covered
coverage Covered Spouse: $25,000
Covered Children: $25,000
