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Short Term Medical Insurance
When circumstances leave you temporarily uninsured, short-term medical (STM) insurance helps protect you during coverage gaps. Short-term medical provides limited duration insurance coverage for 30 to 364 days, which varies by state. Not all states allow for durations of 364 days.
Why STM insurance?
STM insurance plans provide insurance coverage during life transitions. When you are between group insurance or individual major medical policies, STM insurance policies pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more, but do not include maternity care or outpatient prescription drugs.
Travel Medical Insurance
International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t always the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk.