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Short Term Medical |
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Thankful
Short Term Medical Insurance is Simple and Easy
Short Term Medical insurance provides comprehensive temporary health insurance coverage which provides against catastrophic costs of unexpected medical bills. Temporary health insurance is designed for people who need health insurance coverage for 1, 3, 6 and 12 months and may be an ideal solution for those between jobs, an alternative to COBRA, temporary worker, or those newly hired completing a waiting period for other health insurance to start. If you need coverage for longer than 12 months you should research a permanent health insurance plan.
Who is Short Term medical Insurance for?
- Employees between jobs or recently laid off- short term medical is about half the cost of COBRA
- Your COBRA benefits have run out and you need continued coverage until locating employment
- Waiting for employer benefits on a new job- typically there is a 30-90 waiting period for enrollment when you change jobs making a need for temporary health coverage
- Part time or seasonal employees not covered by a group plan
- Newly independent such as students who may not be covered or have left the network area for PPO and HMO coverage under the parents plan also see student health plans for inexpensive alternative
- You have retired and are no longer covered by employer plans and are awaiting Medicare eligibility
- Any temporary need for health insurance
You May Qualify for a COBRA Subsidy compare rates to see which makes more sense
If the qualifying event was involuntary termination of employment that occurred on or after September 1, 2008 through February 16, 2009, they may be eligible for an additional election opportunity under the American Recovery and Reinvestment Act of 2009 (ARRA)…. The link below is the FAQ’s about the ARRA
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Assurant - Short Term Medical
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$2,000,000 / Person
Use any Doctor or Hospital
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$0
$250
$500
$1000 $2500 $3500
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After you pay your deductible, the plan pays 100% 80% or 50% of the next $10,000 and then 100% up to $2,000,000
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30 Days to 6 or 12 months. Single payment option available
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Rated A-Excellent for financial strength
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Apply Online
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Assurant STM Brochure
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Apply Fax/Mail
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- Coverage as soon as the next day.
- You may keep your own doctors. Access doctors 24/7/365
- 10 Day Satisfaction Guarantee
- Monthly payment option or 20% Savings Discount for single pay option
- Application Fee Charged by Insurance Company: $25.
- The Assurant STM is Underwritten by Time Insurance Company
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This is a limited per person coverage temporary health plan provides for lower premiums
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Perfect for those unemployed or on a tight budget.
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Use any doctor hospital or save by using network providers.
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Discounts available if you select the "Single Payment" option.
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One deductible per family if $2,500 or more
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Application Fee Charged by Insurance Company: $25
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Assurant HealthSaver is Underwritten by Time Insurance Company
Currently Assurants HealthSaver is not available in these states: CT, FL, HI, ID, IN, KY, MA, MD, ME, NY, NJ, VT, WA
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United Health One Short Term Medical
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$1,000,000 / Person
Use any Doctor, Hospital or Network Providers
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$250
$500 $1000 $2500 $5000
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After you pay your deductible, the plan pays 80% of the next $5,000 and then 100% up to $1,000,000
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30 Days to 6 months. Single payment option available
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Rated A Excellent for financial strength
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Apply Online
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United Health STM Brochure
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Apply Fax/Mail
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- Coverage is not instant requires underwriting typically 24-36 hours
- Underwriting results in lower monthly price plan
- deductible is per occurrence or renews for each claim
- Hypertension or high blood pressure medical question - If you believe you have hbp choose alternative plan
- Each STM policy term is not renewable must reapply
- Transplant expense benefits
- Application Fee Charged by Insurance Company: $20.
- The STM Underwritten by Golden Rule Insurance a United Healthcare Company.
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Fairmont Specialty Short Term Medical
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- Coverage as soon as the next day for electronic submissions
- No medical exams
- Use any doctor or hospital
- 10 Day money back satisfaction guarantee
- Application Fee charged by insurance company: $10
- The Fairmont Specialty STM is Underwritten by United States Fire Insurance Company
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Markel Short Term Medical
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$1 Million per person
Use any Dr or Hospital
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$250, $500, $1,000,$2000, $2,500, $3000, $5000
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After you pay your deductible, the plan pays 80% or 50% of the next $10,000 and then 100% up to $1,000,000
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30 Days to 6-12 months
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Rated A- Excellent for financial strength
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Apply Online
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Print Brochure
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Compare Quote Markel & Fairmont
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- No medical exam
- Use any doctor or hospital
- 10 Day money back satisfaction guarantee
- Monthly and single-pay premium option
- Spinal Manipulation/Adjustment
- Mammography, Pap smear and screens
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