The Petersen has plans with lower deductible amounts than IHC. Petersen also has an optional hazardous sports or activities rider. Optional Hazardous Sports or Activities Rider – Hazardous Sports or Activities are the following list of activities which are considered to be more than a standard risk. This optional rider will provide up to $250,000 for eligible expenses incurred by participation in the following:
I know people hate health insurance companies and their health plans. But once you read some of the restrictions contained in the health care sharing and short term medical plan, you begin to get a sense of how comprehensive creditable health insurance really is. Seriously, I could have a couple beers, hop on my motorcycle; lay the bike down at 35 miles per hour going around a corner in a 25 MPH zone, and my Affordable Care Act health insurance would cover my injuries related to my stupidity.
Short term medical plans are a less than perfect bridge for individuals and families in between credible minimal essential health insurance coverage. Even though short term medical plans can deny applicants for pre-existing conditions, charge more for being a female, and have caps on how much the plan will pay, they can be a solid backstop to ridiculous emergency room bills. The rates for short term medical plans will usually be in the neighborhood of a California Bronze individual and family PPO health plan.