Short-Term Medical Insurance
During life transitions such as graduating from college, beginning grad school, or changing employers, you can’t afford to go without coverage.
Short-Term Medical Insurance provides temporary medical coverage to help protect you and your family during life transitions like these. You should consider Short-Term Medical if you want to help protect yourself from the potentially high medical costs associated with an unexpected accident or sickness.
You can choose your deductible, coinsurance, maximum coverage amount, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice without incurring out-of-network penalties.
Other benefits include:
- $50 co-pay when obtaining treatment at an Urgent Care Facility. Deductible is waived.
- Purchase online and receive confirmation materials and ID cards instantly.
- 24/7 customer support is provided toll-free or via online chat sessions.
- Wide variety of deductible options ranging from $250-$7,500 per certificate period.
- 10 day free look period.
- Maximum duration of either 6 or 11 months depending on state availability.
- Monthly and single up-front payment options available.
Length of Coverage
Up to 6 or 11 months. Purchase in full or make monthly payments. Need longer coverage?
Amount you pay toward covered expenses before the policy pays benefits.
$250, $500, $1,000, $2,500, $5,000 or $7,500.
A maximum of three deductibles is required per family.
Percentage of eligible expense the policy pays after the deductible.
80% or 50% of the next $5,000 of eligible expenses.
Coverage Period Maximum
The maximum amount the policy pays.
1 million or $2 million.
After you satisfy your deductible, Short-Term Medical Insurance will begin paying eligible expenses according to the coinsurance you select and up to the coverage period maximum that you choose. Benefits are based on usual and customary charges of the geographical area in which charges are incurred.
- Inpatient and outpatient charges made by a hospital, including inpatient prescription drugs
- Charges incurred at an urgent care center after a $50 copay
- Charges made by a physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the physician has referred the case
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
- Charges for oxygen and other gases and anesthetics and their administration
- Charges made by a licensed extended care facility upon direct transfer from an acute care hospital
- Emergency local ambulance transport in connection with injury or sickness resulting in inpatient hospitalization
- Expenses related to complications of pregnancy
- Charges for physical therapy that is prescribed in advance by a physician in relation to a covered Injury or sickness
You are eligible to enroll if you are age 2 through 64 and you meet the following requirements:
- You are not pregnant or, if requesting dependent coverage, not an expectant father or planning on adopting
- You will not be covered under other medical insurance at time of requested effective date
- You are not a member of the armed forces of any country, state or international organization, other than on reserve duty for 30 days or less
- You are able to answer "no" to the medical questions on the application.
Your spouse under age 65 and dependents under age 19 are also eligible for coverage, provided they meet the same requirements. Unmarried children under age 25 may also be included as a covered dependent if enrolled full-time in an accredited school or college. Eligibility for children ages 19 through 25 may vary by state.