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Short Term Health Insurance

A temporary health insurance plan for those in-between times

Short term medical insurance (STM), also referred to as temporary health insurance, is limited-duration medical coverage that is available for shorter durations of time. Temporary health insurance has more restricted coverage than major medical health insurance but also can have a lower premium due to the limits in overall benefits.

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short term health insurance
Short Term Health Insurance
Get a Free Short Term Health Insurance Quote in Minutes!

A temporary health insurance plan for those in-between times

Short term medical insurance (STM), also referred to as temporary health insurance, is limited-duration medical coverage that is available for shorter durations of time. Temporary health insurance has more restricted coverage than major medical health insurance but also can have a lower premium due to the limits in overall benefits.

What Does Short Term Health Insurance Cover?

Temporary health insurance plans may cover expenses associated with care and treatment you may require as a result of an unexpected illness or injury from a medical event, like a sprained ankle while hiking or an Urgent Care visit to treat a urinary tract infection.

Remember, you can personalize coverage under these plans when it comes to deductible levels and the overall maximum amount of coverage you have. The chart below describes benefits that may be covered with short term medical plans.

Before your insurance company covers any of your medical expenses, in whole or in part, you may need to meet your plan’s deductible. Certain benefits may have a copayment, which is not subject to the deductible.

STM plans vary, so you should read the plan details closely to understand the coverage and benefits you’ve selected and the limitations and exclusions that apply.

What STM May Cover

  • Hospital room and board
  • Emergency room visit
  • Diagnostic services – X-rays, laboratory tests and analysis
  • Ambulance and surgical services
  • Doctor visits

What STM Often Does Not Cover

  • Sport-related injuries
  • Emergency room visits for pre-existing conditions
  • Injuries or illness related to participating in extreme or dangerous activities
  • Treatment for an injury from riding an ATV (dirt bike, snowmobile, go-cart) and racing with a motorcycle or boat, or any form of aircraft
  • Ongoing treatment of pre-existing conditions that existed before enrolling in an STM plan
  • Any medical expenses incurred prior to the effective date or after the expiration date of your policy
  • Tobacco, drug, and alcohol-related treatment expenses

Pros and Cons of Short Term Health Plans

  • Short term medical monthly insurance premiums may cost less than major medical health insurance premiums, However, STM covers less benefits, and does not comply with the federal requirements of an ACA plan.
  • Apply year-round– There is no open enrollment period and, in most cases, coverage begins the next day after you enroll online.
  • Customization available– Plans may be customized to reduce the level of benefits; you can usually choose from various deductibles, coinsurance and total maximum benefits.
  • Keep Your Doctor– No provider network limitations means you can visit your preferred health care provider.
  • Short term health plans can be used alongside other supplemental insurance options such as a hospital plan, dental plan or a discount prescription drug card (not an insurance product).

Find Answers to Short Term Health Insurance Questions

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