Student STM

Short Term Medical Insurance

What is Short Term Insurance?

Short term health insurance is a quality, affordable plan of temporary medical insurance designed specifically for healthy people who are temporarily without health insurance. Coverage can become effective as early as tomorrow, be purchased for periods as short as 30 days or up to 180 days, and paid for in one single payment or easy monthly installments.

Ideal protection for students who need:

• Temporary Health Solution
• COBRA alternative
• Cover insurance gaps
• Need for Immediate coverage
• People waiting for group coverage to begin

The short term health insurance plans we offer are not an HMO or PPO plan. In the event of a sickness or injury, an insured person may receive treatment from any licensed healthcare provider or facility anywhere in the U.S.

Plan Highlights:

• Freedom to choose your own doctors and hospitals

• $1 Million Lifetime Maximum Coverage

• In-Hospital and Out-patient benefits

• Physician Services-diagnosis and treatment

• Surgery in a Hospital or Ambulatory Surgical Center

• Intensive Care

• X-Ray and Laboratory

• Ambulance Services

• Spinal Manipulation/Adjustment

• Mammography, Pap smear and screens

Plan Options and How it Works

• Deductible options of $250, $500, $1000 or $2500

• Coinsurance optiona of 80/20 to $5000 or 50/50 to $5000

• Length of coverage options 1-6 months of coverage; or 12 month plan

We can offer coverage in the following states:

Policy Specimen for more information