Short Term Care

TRH offers short term health coverage to fill in temporary gaps in coverage. This coverage is ideal for people such as those who are between jobs or recent graduates who are no longer covered as dependents under their parents' health care policy. No one can afford to take the risk of being without financial protection against high health care costs - not even for a few days.

• What's covered
• Benefit Schedule

You decide how long you need coverage - 60 days, 90 days, 120 days or 180 days. And you choose the deductible that best fits your budget. There is no medical underwriting for this coverage. However, pre-existing conditions - including pregnancy and delivery - are excluded from coverage.

Claims for this coverage are administered by BlueCross BlueShield of Tennessee. This coverage utilizes the Blue Network P with more than 21,000 providers. These providers have agreed to discounted pricing arrangements to help maintain affordable rates. For greater benefits and less out-of-pocket expenses, use the providers who participate in the Blue Network P.

What's Covered:

• Inpatient and outpatient hospital services
• Surgical services
• Inpatient and outpatient physician services
• Diagnostic services
• Therapy services
• Ground and air ambulance service
• Private duty nursing
• Skilled nursing facilities
• Prescription drugs
• Home health care

Benefit Schedule

$300 Deductible

Network Providers Non-Network Providers
Individual Deductible	$300
Family Deductible Max	$900
Coinsurance	80% 60%
Out-of-Pocket Maximum - Individual - Family	$2,400 Unlimited $6,000 Unlimited
Maximum Benefit	$250,000 $250,000

$500 Deductible

Network Providers Non-Network Providers
Individual Deductible	$500
Family Deductible Max	$1,500
Coinsurance	80% 60%
Out-of-Pocket Maximum - Individual - Family	$4,000 Unlimited $10,000 Unlimited
Maximum Benefit	$250,000 $250,000

$1,000 Deductible

Network Providers Non-Network Providers
Individual Deductible	$1,000
Family Deductible Max	$3,000
Coinsurance	80% 60%
Out-of-Pocket Maximum - Individual - Family	$5,000 Unlimited $12,500 Unlimited
Maximum Benefit	$250,000 $250,000

Exclusions - To keep your coverage affordable, there are some expenses and services which are not covered. Some of these include:

• Pre-existing conditions
• Treatment for behavioral health care
• Treatment of alcohol and substance abuse
• Care which is not medically necessary
• Investigative services and supplies
• Allergy testing and treatment
• Routine exams and immunizations
• Maternity benefits for normal delivery

A complete list of non-covered services and supplies is included in the Short Term Care Evidence of Coverage (EOC) booklet.

To apply, call your local TRH Representative today or Contact Us.

This information is an overview of the TRH Short Term Care coverage. Please consult the TRH Short Term Care EOC for complete details of benefits, exclusions, and general provisions. When your application for coverage is approved, a TRH Short Term Care EOC booklet will be sent to you.