Short Term Medical Insurance

“Should we get them well or get them out?” “That depends, do they have health insurance?”


What is Short Term Medical Insurance?

Short term medical insurance offers a solution to individuals in need of temporary medical coverage. A short term medical insurance policy protects against unforeseen accidents and sicknesses. Short term medial insurance is best for individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage. Coverage is available for periods of up to 6 or 11 months (varies by state).

Did you miss the annual open enrollment period for health insurance?

Do you need affordable, temporary coverage during a job transition?

Are you traveling or temporarily residing outside of the United States and need international coverage?

Are you visiting the United States or temporarily residing here and cannot afford the high medical costs if you are sick or hurt?



How soon can I start my coverage?

Your coverage can start tomorrow! If you submit your application and credit card payment today by Internet, fax or e-mail, coverage will begin tomorrow. Otherwise, your coverage will begin on the day following the date we receive your completed application and payment or on the date you requested on the application, whichever is later.

Does Short Term Medical Insurance meet the requirements of the Affordable Care Act?

This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA (Patient Protection and Affordable Care Act). PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.