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Why risk paying for medical costs completely out of pocket? Short term medical (STM) plans offer some financial protection in the event of a covered medical event—and they’re available right now.
Temporary health plans for those in-between times
Short term medical plans can help you pay for unexpected healthcare when you are temporarily without ACA-compliant major medical insurance. Benefits vary by plan, but covered expenses generally include hospital room and board, emergency room treatment, ambulance services, surgical services, doctor office visits and more.
Skip the waiting. Apply and enroll in minutes, year-round. If you are approved, next-day coverage is available.
Forget long-term commitment. STM plans last anywhere from 30 to 90 days, depending on your coverage needs.
Don’t spend a fortune. Designed to help with the unexpected, STM plans often cost a fraction of ACA premiums.
One solution for a range of life situations.
When you are experiencing a transition that leaves you without individual or job-based major medical insurance, STM is available for the interim. Know you have some financial protection for medical costs associated with unexpected illnesses and injuries—whether you are without ACA-compliant coverage for a single month or three.
A simple solution between jobs or in employer waiting periods.
Temporary healthcare benefits until you secure ACA-compliant coverage.
Peace of mind while you move, go through a divorce, head to college and more.