Affordable Health Insurance Options with VitalOne and PanAmerican
Brochure(PDF)
VitalOne and PanAmerican are proud to offer short-term medical (STM) plans. We have the right plan at the right price to cover all the needs of a prospective insured. Giving individuals and families peace of mind knowing they will have the coverage they need in case of any catastrophic events; while maintaining flexible coverage options and deductible choices. Plus, our online issuance means coverage could start as soon as the next day!
Qualifying for Your Plan
Choose your Deductible |
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| $500 | $1,000 | $2,500 | $5,000 |
| When you incur medical expenses, you must first satisfy the deductible you have chosen from the options above. You must then satisfy the co-insurance based on the two deductible plan choices below. | |||
Choose your Co-Insurance Deductible |
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80/20
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50/50 | ||
| You then pay 20% of the next $5,000 ($1,000).
PanAmerican Pays for 80% of the first $5,000 ($4,000). PanAmerican then pays 100% of up to $1 Million. Includes 2 yearly doctor visits per family member. |
You then pay 50% of the next $5,000 ($2,500).
PanAmerican pays for 50% of the first $5,000 ($2,500). PanAmerican then pays 100% of up to $1 Million. Includes 2 yearly doctor visits per family member. |
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SelectedChoice STM is available for coverage periods ranging from 30 days to 12 months. Moreover, you have several payment options from which to choose, based on the method that best suits your needs.Important Information
Precertifi-cation Pre-admission certification is required prior to receiving certain treatments, including: 10 days in advance of any elective or non-emergency admission; and within 48-hours of delivery due to complicated childbirth. Failure to obtain authorization will result in benefi treduction. Refer to your policy/certifi cate of insurance for more information.
Free look period
If for any reason you are not satisfi ed with your policy/certificate, you may return it to us within 10 days after you receive it. We will refund any premium paid and your coverage issued under the policy/certificate will be deemed void, just as though coverage had not been issued.
