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QUOTE SNAPSHOT

Your Short-Term Medical Quote

A plain-language summary prepared by Jonathon Gouge.

$513.27 per month
Effective: January 1, 2027 Quote available through: December 31, 2026
Coverage structure One 12-month short-term medical policy
1 policy term · January 1, 2027 through January 1, 2028
Provider network Cigna PPO Network
Maximum benefit $2,000,000 maximum benefit
Legal insurer National Health Insurance Company (Allstate Health Solutions)

HOW COVERED COSTS ARE SHARED

  1. 1

    Start with the deductible

    You pay eligible covered expenses until the $5,000 deductible is satisfied.

  2. 2

    Then the plan shares costs

    After the deductible, the plan pays 80% and you pay 20% of eligible covered expenses.

  3. 3

    Coinsurance has a stated limit

    The $5,000 deductible is followed by up to $5,000 in coinsurance for eligible covered expenses, creating a $10,000 total stated in-network cost-sharing exposure.

COMMON CARE EXAMPLES

Office visits Applies to the deductible and then 80/20 coinsurance. Visit limits may apply; review the certificate.
Urgent care After a $50 access fee, the deductible is waived and remaining eligible costs are subject to 80/20 coinsurance.
Emergency room Applies to the deductible and 80/20 coinsurance. A $250 access fee applies and is waived if admitted.
Prescriptions No insured outpatient prescription benefit is included with this Enhanced PPO option. Separate discount or optional benefits may be available.

IMPORTANT LIMITATIONS

Preexisting-condition limitation

Charges related directly or indirectly to a pre-existing condition are excluded. The plan materials describe a one-year lookback period for Indiana.

Major exclusions

Significant exclusions and limits apply, including preventive services, pregnancy except complications, mental illness or substance abuse, outpatient prescription drugs, and other services listed in the certificate.

IMPORTANT TO KNOW

This is a 12-month short-term medical term ending January 1, 2028. The plan materials state that the plan is nonrenewable unless a renewability rider was purchased. Eligibility, premium, covered expenses and final terms are determined by the insurer and issued certificate.

NEXT STEP

Questions about this option?

Contact Jon to review the details and decide whether an application makes sense.

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This informational presentation does not submit an application or enroll you in coverage. Eligibility, premium and final terms are determined by the insurance company and the issued policy.