Protect Your Health With Flexible Benefits

Affordable Option

If you're facing a gap in your insurance coverage, or without group medical coverage, STM is often much less expensive than traditional health insurance. It offers a way for you and your family to stay protected, when you don’t need coverage for pre-existing conditions.

Flexibility for Transition Periods

STM is ideal for those transitioning between health plans, or needing immediate coverage, such as:

• Employed, but employer has no health insurance.
• Waiting for job-based insurance to start.
• Recently retired and waiting for Medicare.
• A business owner or entrepreneur.

Fast and Easy Enrollment

Most policies offer instant approval, allowing you to get coverage quickly and maintain coverage for up to three years.

Financial Benefits

Hospital and accident indemnity insurance provide extra financial security during challenging times. By delivering direct cash benefits, these plans reduce the stress of sudden medical events and allow you to focus more on healing and less on the bills that follow. 

Why Consider Indemnity Plans?

Many people choose these because:

• High-deductible health plans leave significant out-of-pocket costs.
• Accidents can disrupt income due to time away from work.
• Living expenses continue even during recovery.
• Unexpected expenses can arise from illness or injury, including transportation and in home care.