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Short Term Insurance
Benefits • Exclusions • Apply Online
Although the Amigo Medical Short Term Health Insurance plan provides great coverage, there are exclusions to coverage - and the main exclusions are listed below:
- Services related to pregnancy, except for complications of pregnancy, or conception
- Weight modification, cosmetic surgery, and treatment of varicose veins
- Dental, vision and hearing exams and treatment
- Routine physical exams, preventative care, and immunizations unless mandated by applicable state law. Refer to certificate of coverage upon issue
- Substance abuse and alcoholism
- Speech, occupational, and sleep therapy as well as acupuncture and holistic care of any nature
- Organ or tissue transplants
- Spinal manipulation or adjustment
- Chronic fatigue or pain disorders
- Allergies, except for emergency treatment of allergic reactions
- Treatment of joints, spine, bones or connective tissue, unless related to a covered injury
- Over-the-counter medications and outpatient prescription drugs
- Charges that are not incurred during the coverage period
- Experimental or investigational services
- Services that are not medically necessary or which exceed usual and customary charges
- Expenses during the first 6 months after the effective date for (subject to all other coverage provisions, including the pre-existing condition limitation): a. Total or partial hysterectomy, unless it is medically necessary due to a diagnosis of carcinoma; b. Tonsillectomy; c. Adenoidectomy; d. Repair of deviated nasal septum or any type of surgery involving the sinus; e. Myringotomy; f. Tympanotomy; g. Herniorraphy; or h. Cholecystectomy
Pre-existing Conditions
Amigo Medical excludes coverage for pre-existing conditions. Pre-existing refers to conditions for which you received medical treatment, diagnosis, care, or advice within a specific number of months immediately preceding your effective date. The pre-ex period is mandated by each state and will vary depending on the state in which Amigo Medical is purchased. This exclusion does not apply to a newborn or newly adopted child who is added to coverage.
Waiting Period
When coverage is purchased within 3 days of the effective date, you will only be entitled to receive benefits for sicknesses that begin, by occurrence of symptoms and/or receipt of treatment, at least 72 hours following the effective date. This waiting period does not affect benefits for injuries.
This is a partial list of exclusions and limitations. Please see the Certificate of Insurance for detailed information about these and other plan exclusions and limitations. Benefits, provisions, limitations and exclusions may vary by state.
Learn more about the Short Term Insurance plan:
