Protect Your Health With Flexible Benefits

Affordable Option

If you're in between jobs, moving, or facing a temporary gap in your insurance coverage, or an entrepreneur without group medical coverage, STM is often significantly cheaper than traditional long-term health insurance. It offers a way to stay protected without breaking the bank, especially when you don’t need full-scale coverage for pre-existing conditions.

Flexibility for Transition Periods

Short-term medical insurance is ideal for those transitioning between health plans, or needing immediate coverage, such as:

• Waiting for open enrollment or job-based insurance to start.
• In between graduation and employment.
• Recently retired and waiting for Medicare eligibility.
• On temporary work assignment.
• Employed without employer-sponsored insurance.
• A student.
• A business owner or entrepreneur.

Fast and Easy Enrollment

STM plans are typically easier to apply for and faster to enroll in. Most policies offer instant approval, allowing you to get coverage quickly when you need it.

Short-term medical plans allow you to choose from a variety of coverage options, so you can select a plan that best fits your budget and medical needs. Whether you’re looking for basic coverage or a more comprehensive plan, STM can offer flexible choices. Our plans provide health protection for between one and three years.

Short-term medical plans typically cover hospital stays, emergency care, doctor visits, and sometimes prescription medications. The specifics of the coverage will vary depending on the plan you choose.