Short Term Medical (STM)

Temporary Coverage for Life Transitions

Short Term Medical insurance provides temporary health coverage during gaps in your regular insurance. These plans are designed for transitional periods and offer limited benefits at affordable prices.

Key Benefits

Quick approval and coverage start dates

Lower premiums than traditional plans

Coverage for unexpected illnesses and accidents

Flexible coverage periods (30 days to 12 months)

Renewable in many states

Bridge coverage during life transitions

Important Details

•Not ACA-compliant - may not cover all essential benefits
•Pre-existing conditions typically not covered
•Coverage limits may apply
•Ideal for temporary gaps, not long-term coverage

Who Is This For?

Recent graduates aging off parent plans
Job changers waiting for new employer coverage
Early retirees before Medicare eligibility
Those missing open enrollment periods

Ready to Get Started?

Speak with a licensed agent to find the best short term medical (stm) plan for your needs.

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