Option 1 is detailed here throughout this section of the web site. Option 2 presents plans which are both Short Term Medical Insurance (coverage periods from 30 days to 6 or 12 months, see"Short Term Medical Insurance") and Temporary Major Medical (coverage periods from 30 days to 12 months with up to two additional 12 month coverage periods available).

Summary of Short Term Temporary Major Medical Insurance Benefits:

• Simplified Issue
• Choose any Doctor or Hospital: No PPO or HMO
• No Physical Exam or Urine Specimen Required
• Pay Premiums Monthly, up to 12 Months
• 2 Additional 12 Month Coverage Periods Available
• ^$1,000,000 Lifetime Maximum Per Insured Member
• Low Deductible Options Available - ^$250 & ^$500
• 80/20 Coverage with ^$1,000 Out-Of-Pocket Maximum Following Year Plan Deductible
• 24-Hour Coverage

The Flexible Temporary Major Medical Insurance can be used in many situations. It is a new health insurance hybrid that combines the features of both traditional major medical insurance & temporary health insurance coverage. Ideal for:

• Part-time & Temporary Employees
• Self-Employed
• Unemployed
• New Hires Awaiting Group Insurance
• Those Without Insurance
• Alternative to COBRA
• An Affordable Option Without HMO or PPO Limitations