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Short Term Medical in between insurance

Short-term medical insurance, also known as short-term health insurance, offers temporary coverage for individuals during transitional periods, such as between jobs or outside of open enrollment periods

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Short Term Medical
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These plans are designed to provide limited benefits for unexpected medical events and are not a substitute for comprehensive health insurance

Short Term Medical Insurance

Short Term Medical (STM) Coverage

What Are Short-Term Medical Plans?

Short-term health insurance provides temporary, limited coverage for unexpected medical events, typically lasting one to four months. These plans exclude pre-existing conditions and essential health benefits like preventive care or mental health services. They are ideal for gaps in coverage but lack consumer protections and subsidies offered by ACA-compliant plans.

  • Who Are They For?

    Short-term health insurance plans are designed to provide temporary coverage and can be a viable solution for those who:

    • Are between jobs and waiting for new employer coverage to begin.

    • Missed the annual Open Enrollment Period for comprehensive coverage.

    • Missed the annual Open Enrollment Period for comprehensive coverage.

    • Are young adults transitioning off a parent's health plan.

    • Are generally healthy and seeking lower-cost, temporary coverage.

    How do I get a Short-Term Medical (STM) Plan? 

    You can call us or fill out our "Get a Quote" form below. We will show you the STM plans, their benefits and their rates in your area. These plans are not available through the Health Insurance Marketplace and do not conform to Affordable Care Act (ACA) guidelines. These plans will ask you and your doctor(s) medical questions. This is called "underwriting" to determine what level of risk you represent to their company. These plans can vary greatly in cost and coverage.

    Why Get a Short-Term Medical Plan?

    Short-term health insurance may not be ideal for the long term. However, there are situations in which you may need temporary coverage, and a short-term health plan may provide it:

    • You missed open enrollment for a traditional health plan.

    • You lost or left your job.

    • You turned 26 and just transitioned off your parents’ health plan.

    • Are generally healthy and seeking lower-cost, temporary coverage.

    ⚠️ Important Considerations

    Limited Coverage

    Short-term plans do not cover pre-existing conditions, preventive care, maternity, mental health services, or prescription drugs.

    Medical Underwriting

    Applicants may be denied coverage based on health history.

    No ACA Protections

    These plans are not required to meet ACA standards and do not offer the same consumer protections.

    State Regulations

    Availability and rules for short-term plans vary by state.

    Our 3 Step Process

    Expert Consultation

    Our expertise is free of charge as we guide you through the options that suit you the best based on your circumstances.

    Discover & Strategy

    With a few simple questions, we can help determine where you are financially exposed or if the plan you have is the right fit for your situation.

    Facilitating the Process

    We pride ourselves in simplifying the process from start to finish. After enrollment into your plan, we are available to you anytime you need us.

    Our Approach

    Depending on where you live, we offer consultations by phone or in-person. We also offer video consultation if you prefer to have the best of both worlds. 

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