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Short-Term Medical Plans can provide coverage when you find yourself unable to enroll in a major medical plan

What is Short Term Medical Insurance?

When you can't enroll in a Major Medical plan, STM insurance is designed to fill short-term gaps in coverage.  If you experience an unexpected injury or illness Short-Term Medical plans may protect you from a major financial hardship.   When the ACA regulations went into effect these plans were exempt so there are big differences you need to be aware of before enrolling

What is a Pre-existing Condition?

Any health condition that existed before your plan is effective is a pre-existing condition.  For example, someone diagnosed with high blood pressure, it would be reasonably understood that any care services related to blood pressure wouldn't be covered.  What isn't commonly understood is anything related to the condition may not be covered under the pre-existing exclusion.  For example, if the same person who has high blood pressure later has a heart attack it is highly likely that the heart attack may not be covered.  Ultimately, the determination is made by the doctors treating you and is subject to review by the carrier.  If your looking for an alternative plan that offers coverage for pre-existing conditions consider a Hospital Indemnity Plan with guaranteed issue

New Job

Many employers have waiting periods of 90 days or more to enroll in group coverage.  However, illnesses and injuries wait for no one! A Short Term Medical plan can keep you protected from unlimited and unmanageable medical expenses.

COBRA Becoming Unaffordable

Sometimes job searches can last longer than initially expected.  Once you have enrolled in COBRA you cannot apply for a lower cost Individual or Family Plan unless it's Open Enrollment.  Once your COBRA expires after 18 months you will have a special enrollment period available.  If you can no longer afford the COBRA payments you may have to go without coverage.  Short Term Medical can help provide coverage during these times as well.

Missed Open Enrollment or Special Enrollment Period  

Individual Health Medial Plans are only available during annual open enrollment, or for a 60 day period for special exceptions.  Missing it means you have to wait for the next annual open enrollment.  A Short Term Medical plan can bridge that gap.

Missed Initial Medicare Enrollment Period

Countless Medicare eligible people miss their Initial Enrollment Period.  For many people this means going without insurance for a long as 15 months.  If you missed your enrollment period please call us to discuss your options.