SHORT TERM MEDICAL INSURANCE 

 

     Short Term Medical insurance coverage was designed to fill in waiting periods and other various health insurance coverage gaps.   It also may be your only option if you missed buying coverage during Open Enrollment.   

 

WHY BUY A STM?

  • You are waiting for an individual, Medicare, or Group plan to start and you want a lower cost solution for a few months.
  •  
  • You missed the January 31 Open Enrollment and are locked-out from being able to enroll until next January 1. Short Term Medical may be your only option.
     
  • Here's a couple of things to know before purchasing coverage:
     

1. This plan will not help you avoid the tax penalty for having no coverage.

     These plans are not considered to be Minimum Essential Coverage under the Patient Protection & Affordable Care Act (ACA). Therefore this coverage will not help you avoid the tax penalty for not having ACA-compliant health coverage.  The ACA requires that you be insured at least 10 months out of the year to avoid the tax penalty. 

2. The coverage does not cover pre-existing conditions:

    These plans DO NOT cover pre-existing conditions, nor preventative care, just new covered illness and injury that comes up. Please read the plan brochure and limitations prior to enrolling.   Short Term Medical insurance is not ACA compliant, therefore not subject to the same rules.

3. The plan offers a single-payment or monthly option:  
Please choose the Single payment option!

   The single payment option costs about 1/2 the Monthly plan option, so sign up for a month or two, then take out another contract if you need more coverage.   Be aware that if you pre-pay for a 6 month plan and later want to cancel, there is no refund, so pick the contract length you know you want.

 

Plan 1:  SecureSTM Plan
(Please chose the SecureSTM, not the SecureLite plan)

(Underwritting by Standard Security Life of New York and marketed by IHC Solutions)


SecureSTM Brochure

    Before considering the SecureSTM plan, you can read the brochure by clicking on the link below:   
 

SecureSTM_Brochure.pdf

 

Quote and Enroll 


    When you click on the quote link below, you will have the option of 

Please click on my link below to create a quote, read about coverage, and apply for coverage beginning as early as tomorrow:   


https://www.ihcmarketplace.com
/Agent/2500677?productType
=STM&bundleGID=2

   Please choose the single-payment option when enrolling.  The monthly option costs almost twice as much.

Understand the Multi-plan Provider discount: 

   The SecureSTM plan includes 1 doctor or Urgent Care visit with a $50 copay.  If you go to a contracted Multiplan provider, you will only pay a contracted rate: which can save you substantially over going to a non-network provider.   You can search for network providers at the link below:

http://www.multiplan.com

 

Plan 2:   LifeMap STM

        I include the LifeMap STM plan as an alternative option if you had to answer yes to one of the qualifying questions on the Secure plan application.  There are fewer disqualifying questions in the LifeMap enrollment application.   The plan is more expensive compared with the Secure STM plan so you don't need to compare both unless you need to.

QUOTE AND ENROLL IN NEW COVERAGE


Please click on my link below to view the review and apply:   

https://enroll.lifemapco.com
/alm_createlifequote.html?product
=STM&broker=0105983-0000&zipcode=

 Note that coverage can begin as early as tomorrow if you enroll and make payment.

 

Other Resources if you are on a STM Plan

 

$39.00 Video Doctor Visits

    If you are covered under a STM plan and just want to do a video visit with a doctor, you can do this for $39.00 per visit from my tab "$39 video visits".   Go to my tab "Video Doctor Visits' for more information.

 

GENERIC PRESCRIPTION DRUG DISCOUNTS

Just a reminder that if you need prescription drugs, I have a page the helps you shop for the best cash prices from various pharmacies.   Go to my tab "Prescription Drug Savings" for more information.

Compare the cost of drugs when paying cash at www.goodrx.com

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Secure Stm brochure

Click filename below to access file

SecureSTM_Brochure.pdf