Our Short Term Health Insurance gives you a plan to face those unpredictable moments in life with confidence. It provides the financial protection you need from unexpected medical bills and other health care expenses.
Quickly quote, enroll, and be on your way!
Affordable health options that fit your needs and your budget!
Apply today for coverage starting tomorrow
No waiting for enrollment period like major medical with our year around enrollments!
Short term medical insurance is health coverage designed to cover individuals for a pre-determined length of time. These plans can be substantially less expensive than traditional major medical policies.
Those who missed the open enrollment period for major medical
Individuals who are in a probationary period at a new job and waiting for benefits to begin
Those who are looking for a lower cost alternative to major medical
Students who are leaving parental coverage and more
This is a great health insurance alternative. These plans tend to be cheaper compared to major medical plans and has many of the same benefits.
Fast acting coverage once you apply your coverage can start as early as tomorrow.
Coverage outside of the enrollement period
Coverage for an unexpected Injury or Accident.
Flexible plan term options between 30 days up to 1 year.
THIS PLAN PROVIDES LIMITED BENEFITS.
STM PLANS DON’T COUNT AS COMPLIANT COVERAGE UNDER THE AFFORDABLE CARE ACT, SO ENROLLING IN SHORT-TERM INSURANCE MAY MEAN YOU’LL PAY A PENALTY WHEN YOU FILE YOUR FEDERAL INCOME TAX RETURN. THEY ALSO DON’T OFFER MINIMUM ESSENTIAL COVERAGE, WHICH MEANS THAT BENEFITS SUCH AS FREE PREVENTATIVE CARE AND PRE-EXISTING CONDITION COVERAGES ARE EXCLUDED.
SHORT TERM MEDICAL (STM) AND HEALTH CARE REFORM
SHORT-TERM, LIMITED-DURATION PLANS ARE NOT SUBJECT TO CERTAIN PROVISIONS OF FEDERAL HEALTH CARE REFORM, INCLUDING THE PROVISIONS RELATED TO ESSENTIAL HEALTH BENEFITS, LIFETIME LIMITS, PREVENTIVE CARE, GUARANTEED RENEWABILITY, AND PRE-EXISTING CONDITIONS. THE PRE-EXISTING CONDITION EXCLUSION FOR SHORT TERM MEDICAL PLANS WILL APPLY FOR ALL INSUREDS, INCLUDING THOSE UNDER THE AGE OF 19. EXAMPLES OF THE CLAIMS STM PLANS DO NOT COVER ARE FOR MOST PREVENTIVE CARE, MATERNITY, MENTAL HEALTH AND TREATMENT RELATED TO MEDICAL CONDITIONS THEY HAD PRIOR TO THE PLAN’S EFFECTIVE DATE. BECAUSE THESE PLANS ARE NOT GUARANTEED RENEWABLE, THE APPLICANT MAY NOT BE ELIGIBLE FOR ANOTHER SHORT-TERM PLAN AFTER THE PLAN’S TERMINATION DATE; AND THE PRE-EXISTING CONDITION EXCLUSION WILL APPLY TO ANY CONDITIONS THAT AROSE DURING ANY PRIOR SHORT-TERM PLANS. KNOW YOUR PLAN
SHORT TERM MEDICAL AND SUPPLEMENTAL ACCIDENT AND CRITICAL-ILLNESS PLANS OFFER AFFORDABLE COVERAGE, BUT MAY HAVE ELIGIBILITY QUESTIONS (SO YOU CAN BE DECLINED) AND DO NOT PROVIDE MINIMUM ESSENTIAL COVERAGE. THIS MEANS THE INSURED MAY HAVE TO PAY A TAX PENALTY, DEPENDING ON THEIR INCOME LEVEL AND THE COST OF PLANS AVAILABLE.
NATIONAL GENERAL ACCIDENT & HEALTH MARKETS PRODUCTS UNDERWRITTEN BY TIME INSURANCE COMPANY, NATIONAL HEALTH INSURANCE COMPANY, INTEGON NATIONAL INSURANCE COMPANY AND INTEGON INDEMNITY CORPORATION.
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