Short Term Medical does not cover pre-existing conditions. It is designed to protect against the unforeseen. If pre-existing conditions were covered under Short Term Medical policies, people could just wait until they were diagnosed with an illness or suffered an injury, buy a policy to cover the treatment, then drop it. The cost of such policies would be prohibitive. Because Short Term Medical is designed to cover the unexpected, it also does not include coverage for preventive care, physicals, immunizations, dental or eye care.

The definition of a pre-existing condition is any sickness, injury, disease or physical condition for which medical treatment or advice was received from a physician with 5 years prior to the effective date or which produced symptoms 5 years prior to the effective date of this policy. If you have an existing medical condition, you may want to see if extending your current insurance to fill a gap in coverage is an option. Employer-sponsored insurance can be extended under a government-regulated option called COBRA (for employers with 20 or more employees), and in some cases can be extended up to six months even if an employer is not required to comply with the COBRA law.

• No claims were incurred under a previous Time Insurance Company Short Term Medical plan.
• There has been no significant change in your health.

1. Complete the application on or before the desired plan date.
2. Make your payment on or before the desired plan date and include it with the application.
3. When mailing the application to Assurant Health, the postmark on the envelope containing the application must be on or before the requested plan date.

Please note: There is a one day difference between the plan date and the effective date of coverage.

1. Total Disability - if a covered person becomes totally disabled and is being treated for that condition during the benefit period, the plan will extend benefits to the earliest of:
   • 12 months following the termination date
   • The end of total disability
   • Payment of the $2 million maximum benefit
   • The date on which treatment is no longer required

   (The deductible need not be met to qualify for total disability)
    

2. Non-Total Disability - The insured does not have to be totally disabled to qualify for this benefit. A benefit of up to $1000 may be provided for follow-up care for an injury sustained or sickness which commenced during the plan period. To qualify, the insured must have met his or her deductible during the benefit period. Qualifying expenses must be incurred within 60 days of the plan's expiration.

Trained medical professionals work with you and your physicians to review the course of treatment and advise you of your eligibility for benefits. The identification card you receive with your policy provides a toll-free number for easy access to this service. The authorization process must be followed in its entirety to receive maximum benefits. The contract explains the authorization process in detail.

Authorization is required in advance of:

• All hospital or skilled nursing facility admissions
• Outpatient or day surgeries
• Rehabilitation programs
• Home health care
• Physical medicine/Chiropractic care
• Transplants

The number to call for preauthorization is 1-800-800-2412. The Short Term Medical identification card, which is attached to a copy of the insurance contract, also lists the preauthorization phone number.

Benefits for unauthorized services of otherwise covered expenses will be reduced. No benefits will be paid for a transplant if the procedure was not authorized prior to the beginning of the donor search and selection.