Short Term Medical Insurance > MultiNational Underwriters > FAQ

Amigo Short Term Medical Frequently Asked Questions

Q: What is short-term medical insurance?

A: Short-term medical insurance is an ideal solution for individuals in need of temporary medical coverage. The Amigo Medical Plan is a short-term medical insurance plan that protects against unforeseen accidents and sicknesses, perfect for individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage. Plans are available for periods of up to 6 or 12 months (varies by state).

Q: What is co-insurance?

A: Co-insurance is the part of medical expenses you pay for after you pay the deductible. The remaining amount is covered by the plan. With Amigo Medical Plan you may choose between two options: 80/20, where underwriters pay 80% of eligible expenses (after deductible) and you pay 20% of the eligible expenses, or you may choose the 50/50 option, where eligible expenses are equally split after your fulfillment of the deductible.

Q: How soon can I start my coverage?

A: Your coverage can start tomorrow! If you submit your application and credit card payment today by Internet, fax or e-mail, coverage will begin tomorrow. Otherwise, your coverage will begin on the day following the date we receive your completed application and payment or on the date you requested on the application, whichever is later.

Q: What if I need more time later? or What if I need coverage for the entire year?

A: Coverage periods of 6 or 12 months are available, depending on the state in which you will hold coverage. However, if you require more time, you may purchase a new plan as long as you have not held two previous plans in the same 12 month period! The Amigo Medical Plan is not renewable; therefore, any subsequent plan will be treated as new and will be subject to the same preexisting condition provision and other limitations.