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Regence Life and Health Insurance
Company
Outline
of Coverage
| InterM
- Short Term Major Medical Insurance |
Following is a very brief description of the important
features of the policy. This is not the insurance contract
and only the actual policy provisions will govern. Please
refer to the policy for a detailed description of the
rights and obligations of both you and Regence Life and
Health Insurance Company.
This short-term medical policy is non-renewable.
Individual InterMSM Medical Insurance
InterM is designed for healthy people who have a temporary
need for medical coverage. InterM gives you peace of mind
by providing coverage for injuries and sudden-onset illnesses.
Medical Coverage for 30 to 185 Days
Valuable medical protection on a short-term basis for
people who are:
Between jobs, laid off, or on strike.
Waiting to be covered under a group medical plan.
Waiting for issuance of an individual contract.
Recent graduates.
Starting a business.
Taking time off from school.
In need of temporary medical insurance.
Eligibility
You are eligible for this policy if you and any family
members who apply for coverage:
Are under age 65 and will remain under age 65 for
the term of the policy.
Unmarried dependent children must be:
- under age 23
- dependent upon you for support. Generally, the
child must live with you. The exception is when
you are legally required to pay for part of the
child's support and there is no court order requiring
that someone else provide insurance for the child.
Are not eligible for Medicare.
Are not pregnant. If any member of your family is
pregnant, you may not apply for coverage until the pregnancy
terminates.
Are not covered under any other hospital or medical
plan.
Temporary Coverage
InterM is designed to provide medical coverage on a
temporary basis to fill a temporary need. It cannot
be renewed and is not intended to replace permanent
coverage. However, if the temporary need continues,
you may apply for one new policy within a 12-month period.
Important Note: There is no continuous
coverage between policies. Any condition which may have
existed or occurred under one policy will be a pre-existing
condition under the subsequent policy, and therefore,
will not be covered under the subsequent policy.
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