Short Term Medical

What you need to know about STM

Short-term health coverage is designed to provide coverage for short periods of time.  However, some plans can be extended for a year or apply for a new plan.

Short-term health coverage provides limited benefits and does not cover all essential health benefits under the ACA laws, such as preventative exams, dental and vision care.

Short-term health coverage is available any time of year, with next-day coverage options.

Is STM a good option for me?

Pre-existing conditions are typically not covered under short-term health coverage.

Short-term health coverage can provide coverage for your dependents if they meet the underwriting guidelines.

Dependent children under age 19 may be eligible for coverage with some short-term carriers without a guardian on the plan.

Prescription coverage may not be covered or covered with limitations.  Be sure to check plan details for specifics.

Pivot Health – Short term medical provides a limited duration medical insurance solution until a qualified health plan is chosen, helping reduce your financial risk. It allows you to pivot to help meet your life’s needs.

National General – Looking for affordable quality coverage? In between health plans? You can get next-day protection from Short Term Health Insurance with many of the same benefits as a major medical plan for a fraction of the cost.

UnitedHealthOne – Health Plans for Individuals & Families during times of transition and change. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act.