Who Needs Short Term Medical Insurance?

Short Term Medical Insurance (STM) is major medical insurance that can meet the temporary needs of those in many situations:

New graduates whose school or parental coverage is ending
Students reaching age limits under parental policies
Students withdrawing from school
Foreign nationals living in the United States
People temporarily left without coverage due to divorce or death of a spouse
Retirees not yet eligible for Medicare

People declining COBRA because of costs or whose COBRA extensions have expired
Temporarily unemployed individuals who may have lost employee health insurance or whose COBRA rights are essentially of no value, such as those who move to an area not serviced by their former employer’s HMO
Those without COBRA rights, such as former employees of non-profits, small groups,and bankrupt employers

Don't go without medical insurance because you think it costs too much. STM is a logical and very economical option for most people seeking temporary medical coverage.

STM is cost-effective, flexible, and ideal for many new grads, those between jobs, and others temporarily without coverage. Even with Obama’s health insurance reform underway, STM remains popular. Some highlights:

"Child-only" policies accepted
Next day coverage available

Often more affordable for individuals under age of 26 than insuring them as dependants on their parent’s policy
Freedom to choose doctors and hospitals without worry about out-of-network cost
Applications from Non-U.S. citizens with a U.S. address are accepted

Not sure if Short Term Medical Insurance is right for you? For more information about Short Term vs. Permanent Medical visit our comparison page.

Short Term Medical Insurance is currently unavailable in MA, NJ, NY and VT. Residents of those states should consider Permanent Medical Insurance to bridge a temporary gap in coverage.

Short Term Medical Insurance products are underwritten and issued by a variety of carriers which vary by state, including Time Insurance Company (marketed as Assurant Health), Companion Life Insurance Co., Starr Indemnity & Liability Co., Market Insurance Co., and HHC Life Insurance Co. This list may change from time to time.

This Web site highlights the major features of Short Term Medical Insurance, but complete terms are governed by the insurance policy. In any case, all coverage required by your state is included.

Licensed Agents vary by state, see our Licensed Agents page for more information.