Short
Term Health Insurance Plan Overview
Short
term health insurance is major medical coverage for 30 days to
6 or 12 months. Short term health insurance is meant to cover
the unexpected injury, accident or illness. Unlike most
major medical health insurance plans, short term health insurance coverage can
begin as early as the day after you apply. We offer
carrier direct rates on short term health insurance so you can be assured of receiving the
lowest price available.
|
| What
is Short Term Health Insurance? |
Deductibles
& Co-Insurance Explained |
| How
To Apply Online by Fax or Mail |
Eligibility
Requirements |
| How
To Cancel Your Plan |
Plan
Choices & Details |
| |
|
Comprehensive health insurance
products are perfect for:
- People in non-traditional jobs
- Temporary employees less
likely to receive health insurance from their employers
- People in career transition
- Self-employed
- Between health insurance plans
- Unemployed or recently laid
off
- Looking for a lower-cost
alternative to COBRA or more comprehensive health insurance
- A college student or recent
graduate who is just starting out
Short
Term Health Insurance plans we offer:
- Comprehensive medical coverage
- No prerequisite to join an HMO
or PPO as most major medical coverage dictates
- Freedom to choose any doctor
or hospital
- Flexible payment, deductible
and coinsurance options
- Competitive premium rates
- Quick and easy enrollment with
simplified underwriting and instant approval
- Financially secure
"A" rated A.M. Best insurance carriers
Who
is NOT eligible for short term health insurance?
- Persons 65 or older are not
eligible for temporary health insurance.
- Persons who are pregnant are
not eligible for temporary health insurance.
- Persons seeking short term
coverage while outside of the U.S.
- Persons previously
declined by another carrier due to health reasons.
(May vary by state)
- Residents of
MA, NJ, NY or VT are not eligible.
Deductible
and Co-Insurance - Available options
Short term health
insurance plans have deductible and co-insurance options to
choose from. This allows you to choose a plan that best
fits your budget. Below is an example how these two
options work.
|
| Short
Term Health Insurance Deductibles
and Co-Insurance Explained |
Plan
Deductible
- The amount of money paid (during the term of insurance) by
the insured for medical care expenses before an insurance
policy starts paying.
Co-Insurance Option - The amount the insured is required to pay
for medical care in a plan after the deductible has been
met. Coinsurance rate is usually expressed as a percentage. For
example, the insurance company may pay 80% of the covered claim,
and the insured pays the remaining 20%. This would be called
80/20.
Typical Example - If you purchased a plan with a $250 deductible
with a co-insurance option of 80/20 to $5,000 - First you would
pay your $250 deductible and then 20% of the next $5,000 in
medical expenses. Your total out-of-pocket expense would be
$1,250. The insurance company would then pay 100% to the policy
coverage limits. |
| How
to Apply for Short Term Health Insurance |
| Applying
for short term health insurance is as easy. All of the
following plans allow you to apply online, by mail or fax.
Coverage can begin as early as tomorrow when you apply online or
by fax. If you choose to apply by mail, coverage can start
the day after the postmark date. You also have the option
to choose an later effective date of up to 30 days out. |
| How
to Cancel Your Short Term Health Insurance Policy |
| If
you no longer need short term health insurance simply notify the
insurance company by mail or fax and your policy will be
canceled. Contact information will be included with your
policy or you can visit
the contact section of this site. |
| Short
Term Health Insurance Choices |
Liberty
STM - (Standard Security Life
Insurance Company, a UICI Company) Short Term Medical coverage
from 30 to 180 days of coverage. Includes Rx Coverage.
Optional UCSA discount benefits (More info).
10 day premium refund guarantee.
> Get
a Quote or Apply > Apply
by Mail or Fax > More
Plan Details |
TIG
Competitor Select STM -
(TIG Specialty Insurance Company) Short Term Medical coverage
from 30 days to 6 or 12 months of coverage (varies by state). Includes
Rx coverage. Single payment discounts available. Includes
UCSA discount benefits (More info).
10 day premium refund guarantee.
> Get
a Quote or Apply > Apply
by Mail or Fax > More
Plan Details |
Assurant
STM - (Assurant Health) Short Term Medical coverage from 30
days to 6 or 12 months (varies by state). 10 day premium
refund guarantee.
> Get
a Quote or Apply > More
Plan Details. |
American
Health Shield STM - (Standard Security Life Insurance Company, a UICI Company) Short Term
Medical coverage from 30 to 180 days of coverage. Includes Rx
Coverage.
> Get
a Quote or Apply > Apply
by Mail or Fax > More
Plan Details |
Health-Link
STM - (Clarendon National
Insurance Company) Short Term Medical coverage from 30 days to 6
or 12 months of coverage (varies by state). Single payment
discounts available. 30 day premium refund guarantee.
> Get
a Quote or Apply > Apply
by Mail or Fax > More
Plan Details |
Freedom
STM - (Clarendon National
Insurance Company) Short Term Medical coverage from 30 days to 6
or 12 months of coverage (varies by state). Single payment
discounts available. 30 day premium refund guarantee.
> Get
a Quote or Apply > More
Plan Details |