Temporary Medical Insurance
Plan Overview
Temporary Medical Insurance
is major medical coverage for 30 days to
6 or 12 months. Temporary Medical Insurance is designed to cover
the unexpected injury, accident or illness. Unlike most
major medical health insurance plans, Temporary Medical Insurance
coverage can
begin as early as the day after you apply. We offer
carrier direct rates on Temporary Medical Insurance so you can be assured of receiving the
lowest price available.
|
| What
is Temporary Medical 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
Temporary Medical 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 Temporary Medical Insurance?
- Persons 65 or older are not
eligible for Temporary Medical Insurance.
- Persons who are pregnant are
not eligible for Temporary Medical 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
Temporary Medical 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.
|
| Temporary Medical 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 Temporary Medical Insurance |
| Applying
for Temporary Medical 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 Temporary Medical Insurance Policy |
| If
you no longer need Temporary Medical 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. |
| Temporary Medical 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.
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.
> Apply
by Mail or Fax > 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 |
Secure
Med STM - (Standard Security
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 |
Celtic
STM - (Celtic Insurance Company)
Temporary medical insurance coverage from 30 days to 6 months of coverage. Single payment
plans only. 10 day premium refund guarantee.
> Get
a Quote or Apply > More
Plan Details |
