After you meet the deductible (your choice of $500 or $1,000), Short-Term Blue pays 80 percent of the next $10,000 (individual policy calendar-year coinsurance maximum) of covered services per person or $20,000 (family policy calendar-year coinsurance maximum) per family. You pay the remaining 20 percent.

Once you've met the calendar-year coinsurance maximum, Short-Term Blue pays 100 percent of covered charges up to the $1 million lifetime maximum per person.

IMPORTANT NOTE: If you go "out of network," your deductible, coinsurance and coinsurance maximums will double.

Covered Benefits

The following services are covered under Short-Term Blue:

• Inpatient hospital services
• Outpatient services
• Physician services
• Emergency room services
• Diagnostic lab and X-ray
• Children's preventive care and immunizations
• Durable medical equipment: $5,000 policy maximum
• Ambulance: $1,000 policy maximum
• Home health/private duty nursing: $4,000 policy maximum
• Skilled nursing facility: 30-day policy maximum
• Chemotherapy