Short-Term Medical

Temporary medical insurance to protect you during life’s transition periods

Our Short-Term Medical (STM) Insurance ensures temporary coverage to protect you during life’s transition periods by providing basic medical benefits with affordable premiums when protection is needed most.

Review coverage features below for important information and state availability. To receive a quote, click here.

• Coverage features

  • Variety of deductible, co-pay, co-insurance and coverage period maximum options
  • Length of coverage options may vary by state, but you may cancel at any time without penalties.
  • Eligibility 18-64 years old (child only coverage for ages 2-25)
  • Free-look period is provided which allows you to confirm this coverage is right for you
  • Some pre-existing conditions apply while dental and eye care, and prescriptions (unless administered during a covered hospitalization) are not covered
  • Services are subject to Usual, Customary and Reasonable (UCR) review
  • Available in: AL, AZ, AR, DE, FL, GA, IN, KS, KY, LA, MS, MI, MO, NE, NV, NC, ND, OH, OK, OR, SC, SD, TN, TX, VA, WV, WI and WY
  • States coming soon: MT, PA

• Client profile

  • Missed the ACA enrollment deadline
  • Those who have a period before enrolling in another program
  • In-between jobs
  • Looking for a less expensive option to COBRA
  • College students or recent graduates
  • Young adults coming off their parent’s health benefit plan
  • Retirees waiting for Medicare eligibility
  • Dependents not covered under an employer plan

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