Short-Term Medical Insurance for Individuals & Families 

Short-term insurance plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, short-term insurance helps pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more. 

An STM policy might be right for you if you are under age 65 and are looking for coverage to bridge you to Medicare.

• Affordable - STM insurance policies are affordable. While STM contains limitations when compared to traditional major medical plans, the premium is generally lower. While ACA plans can only vary premiums based on geography, age, tobacco use, and number of people covered (single vs. family plan), short-term plans can vary rates due to any number of factors, including health conditions. 

• Customizable  - Select from various benefit levels which best meet your insurance and premium needs. You can also add other coverage such as dental insurance or a discount prescription drug program. 

• Convenient - Coverage can begin as early as the day following acceptance of your online application. In addition, policy forms and ID cards as well as claims information are available online.