Short-term
health insurance
We all know life can deliver a curveball or two, and when it does, it’s reassuring to know there is a smart and affordable option. A short-term medical policy (STM) is a simple major medical policy to cover you for periods as short as 30 days or up to 11 months.
IMPORTANT: This is a short‐term, limited‐duration policy, NOT comprehensive health coverage
This is a temporary limited policy that has fewer benefits and Federal protections than other types of health insurance options, like those on HealthCare.gov.
| This policy | Insurance on HealthCare.gov |
|---|---|
| Might not cover you due to preexisting health conditions like diabetes, cancer, stroke, arthritis, heart disease, mental health & substance use disorders | Can’t deny you coverage due to preexisting health conditions |
| Might not cover things like prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, physical therapy & more | Covers all essential health benefits |
| Might have no limit on what you pay out‐of‐pocket for care | Protects you with limits on what you pay each year out‐of‐pocket for essential health benefits |
| You won’t qualify for Federal financial help to pay premiums & out‐of‐pocket costs | Many people qualify for Federal financial help |
| Doesn’t have to meet Federal standards for comprehensive health coverage | All plans must meet Federal standards |
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1‐800‐318‐2596 (TTY: 1‐855‐889‐4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
Affordable temporary health insurance
Covering accidents and illness, a short-term medical plan can offer peace of mind during uncertain times. STM plans can provide coverage in between jobs, while waiting for your PPACA plan to kick in and to retirees waiting for Medicare, for example. Many people look at STM as a viable option to expensive COBRA plans.
In many states, an STM policy can begin as quickly as 12:01am the next day! Call today to see how an STM policy can help you.
