Short Term Medical (STM) insurance allows you and/or your family to purchase quality, affordable major medical coverage on a temporary basis for 1-6 months. Coverage is usually available within 24 hours of your applications acceptance and covers expenses for physician services, surgery, outpatient, and inpatient care, but not for pre-existing medical conditions.
Reasons for needing Short Term Medical Insurance:
- you're in between jobs
- laid off
- waiting for group or individual coverage to start
- recently graduated from college
- seasonal employees