How does short term medical coverage work?

The benefit options for covered expenses are per insured person per coverage period. First, you meet your deductible. Choose from four options: $250, $500, $1,000 or $2,500. Then we pay 80% or 50% of the next $5,000 of covered expenses.

After this, we pay 100% of covered expenses up to your lifetime maximum of $1 million per certificate.