Page 3 - Comparative-Benefits-STM-Plans
P. 3
17 administration, if not Not to exceed $1,000 per Not to exceed $1,000 per Not to exceed $1,000 per
18 replaced occurrence occurrence occurrence
Air ambulance Deductible and coinsurance Deductible and coinsurance Deductible and coinsurance
Sl. No.
19 Oxygen, casts, non- Connect Plus Connect STM Connect Value
dental splints, crutches, Up to $500 per day, Up to $500 per day, Up to $500 per day, including
20 non-orthodontic including the emergency including the emergency the emergency room Doctor
21 braces, radiation and room Doctor charge and 24 room Doctor charge and 24 charge and 24 hours
23 chemo and equipment hours observation hours observation observation
rental. Up to $2,500 per surgery Up to $2,500 per surgery Up to $2,500 per surgery
Covered Expenses
Emergency Room Not to exceed 15% of Not to exceed 15% of Not to exceed 15% of
Treatment primary surgeon’s covered primary surgeon’s covered primary surgeon’s covered
charges. charges. charges.
Surgeon Services, in 180 days, 364 days 180 days, 364 days 180 days, 364 days
hospital or ambulatory
surgical center
Surgeon’s assistant
services
Duration of policy
NOTES
Renewability and Continuity: All plans are on month-to-month. Duration of plans ; 90, 180, or 364 days, is month-to-month commitment for that
duration. One can cancel the policy by just calling or sending an email to Loomis, the servicers for The IHC. After the committed plan duration, the policy
expires and is not auto-renewable. One has to sign up again for new plan. For making sure that there is continuity, one can sign up 60 days in advance.
This way, risk of losing policy is reduced for fear of losing coverage.
Office Visit Copay: This is what you pay upfront at the reception of doctor’s office and present your IHC Short Term Medical insurance card. Must make
sure the doctor’s office accepts it and bills to insurance company. Depending on the plan, the number of copay visits are defined for a duration(s) or for
18 replaced occurrence occurrence occurrence
Air ambulance Deductible and coinsurance Deductible and coinsurance Deductible and coinsurance
Sl. No.
19 Oxygen, casts, non- Connect Plus Connect STM Connect Value
dental splints, crutches, Up to $500 per day, Up to $500 per day, Up to $500 per day, including
20 non-orthodontic including the emergency including the emergency the emergency room Doctor
21 braces, radiation and room Doctor charge and 24 room Doctor charge and 24 charge and 24 hours
23 chemo and equipment hours observation hours observation observation
rental. Up to $2,500 per surgery Up to $2,500 per surgery Up to $2,500 per surgery
Covered Expenses
Emergency Room Not to exceed 15% of Not to exceed 15% of Not to exceed 15% of
Treatment primary surgeon’s covered primary surgeon’s covered primary surgeon’s covered
charges. charges. charges.
Surgeon Services, in 180 days, 364 days 180 days, 364 days 180 days, 364 days
hospital or ambulatory
surgical center
Surgeon’s assistant
services
Duration of policy
NOTES
Renewability and Continuity: All plans are on month-to-month. Duration of plans ; 90, 180, or 364 days, is month-to-month commitment for that
duration. One can cancel the policy by just calling or sending an email to Loomis, the servicers for The IHC. After the committed plan duration, the policy
expires and is not auto-renewable. One has to sign up again for new plan. For making sure that there is continuity, one can sign up 60 days in advance.
This way, risk of losing policy is reduced for fear of losing coverage.
Office Visit Copay: This is what you pay upfront at the reception of doctor’s office and present your IHC Short Term Medical insurance card. Must make
sure the doctor’s office accepts it and bills to insurance company. Depending on the plan, the number of copay visits are defined for a duration(s) or for
