Bridging the Gap: Flexible Short Term Medical Coverage
Temporary Health Protection for Individuals and Families
Experiencing a transition—such as switching jobs, waiting for new employer benefits to begin, or missing the annual enrollment window—can leave you vulnerable to unexpected medical bills. Short Term Medical Insurance is designed to provide temporary protection for major medical needs during these coverage gaps.
Why Should You Consider Purchasing Short Term Medical Insurance?
STM insurance offers a flexible, temporary solution when you need financial protection against sudden injury or illness. You can choose a coverage duration that fits your specific needs, providing essential peace of mind until your longer-term health plan begins. This coverage is often an economical way to secure a financial safety net against high-cost medical events during a period of transition.
What Short Term Medical Insurance Helps Cover:
Hospitalization: Coverage for unexpected inpatient care and related services
Emergency Care: Financial protection for acute medical emergencies and treatments
Physician Services: Coverage for doctor visits and diagnostic services related to covered illnesses or injuries
Important Considerations:
Pre-existing conditions: There is NO coverage for pre-existing conditions and you can be denied coverage for such conditions; If you cannot pass underwriting, you may want to consider coverage on the ACA-Marketplace (or State-Based Marketplace, if applicable)
Limited Duration: Coverage is generally up to 12 months. Longer terms are available
Finding the right coverage for you or your entire family is easy. Speak with an Independent Licensed Agent to compare options designed to fit your needs and budget.
Disclosure: This is a solicitation for insurance. This is a Limited Benefit Policy and is NOT Major Medical Insurance or Minimum Essential Coverage (MEC) under the Affordable Care Act (ACA). This coverage is supplemental only. Not all applicants may qualify.