Short Term Medical Plans

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why buy a stm plan - stm facts
stm and pre-existing conditions - stm facts
networking advantages with STM - stm facts
typcially covered benefits with stm - stm facts

Why Buy A Short Term Medical (STM) Plan

Short Term Medical Plans are designed for times when you are without traditional health insurance due to situations that arise, like:
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STM Facts - Why buy a stm plan - Between jobs


STM Facts - Why buy a stm plan - Between open enrollment periods

Between Open Enrollment Periods

STM Facts - Why buy a stm plan - affordability


STM Facts - Why Buy a stm plan - student not on parents plan


Stm Facts - Why Buy A stm plan - cobra is too expensive

Cobra is Too

Short Term Medical Plans & Pre-Existing Conditions

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short Term Medical Plans & Pre-Existing Conditions

Short Term Medical plans offer medical coverage, are medically underwritten, and do not cover preexisting conditions.

Short Term Medical Plans DO NOT provide coverage for expenses resulting from preexisting conditions, which could even include symptoms prior to coverage.

Short Term Medical Plans are not required to comply with certain Federal Market requirements for health insurance, principallly those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance abuse disorder services). Your policy might also have a lifetime and/or annual dollar amount limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, Short Term Medical Insurance is not "Minimum Essential Coverage". If you don't have Minimum Essential Coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month.

Network Advantages of Short Term Medical Plans

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Receive quality care at reduced costs because most network providers have agreed to lower fees for covered expenses. Most Short Term Medical plans offer provider choices across the nation. So even when you are traveling, you're likely to find in-network care.

Make sure to review the Short Term Medical Insurance plan you are interested in for their network providers as well as their non-network restrictions.  

Network Advantages of Short Term Medical Plans

Variety of Medical Expenses

Short Term Medical isn't for everyone. Find out what it covers to determine if it's right for you.
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It Doesn't Cover Everything

Short Term Medical Insurance, as its name implies, isn't meant to be a long-term solution. While it covers some medical expenses, it doesn't cover everything. Make sure you take a look at what you need your health insurance to do for you and compare it to the benefits provided through Short Term Medical Insurance. 
The examples provided below are typical covered services of Short Term Medical plans but may not be available with the Short Term Medical Insurance Plan you choose. For complete listing of non-covered services and covered services in your plan choice, you should review the outline of coverage of the Short Term Medical Insurance plan.

Typical Covered Benefits

  • Doctor visits, urgent care visits, ambulance service and emergency room care
  • Diagnostic testing, children's preventive, cancer testing, radiation therapy, and chemotherapy
  • Outpatient surgery and hospital services
  • Durable medical equipment, home health care, medical supplies, rehabilitation, and transplant expense
Examples of Covered Benefits for Short Term Medical

Note: This is for illustrative purposes only and is not specific to an insurance company's product and is not intended to serve as a legal interpretation of benefits or coverage.

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