Affordable, Instant Issue Temporary Health Insurance
Short Term Medical Insurance is designed to protect you and your family from the high cost of unexpected illnesses and injuries.
Our temporary medical insurance plans let you choose your own doctors and hospitals and pay for all covered medical expenses once your deductible, coinsurance and, where applicable, co-payment amounts have been met.
Short Term Medical insurance covers major hospital, medical and surgical expenses incurred as a result of medically necessary care for a covered illness or injury* up to a policy maximum of $2 million**.
Covered Medical Services: 
- Prescription drugs
- Inpatient hospital services
- Outpatient hospital services
- Health care practitioner services, surgical and anesthesia services
- Reconstructive surgery
- Inpatient rehabilitation programs
- Skilled nursing facility care
- Home health care
- Outpatient physical medicine services
- Ambulance services
- X-ray and laboratory services
- Durable medical equipment and supplies
- Blood product transfusions
- Temporomandibular joint (TMJ) or craniomandibular joint dysfunction
- Transplantation benefits
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Short Term Medical Insurance - Who Needs It ?
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See how others with a temporary need filled their insurance gap with Short Term Medical from Assurant Health.
Simply select the profile that matches your real-life situation and see how Short Term Medical can help you!
"Customer Profiles"
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I'm waiting for employer-sponsored coverage at my new job
Situation:
Dan just got a new job at an engineering company and he's very excited. The only problem is that his health insurance doesn't kick in for 90 days. He's got a young family and is concerned about not being covered, even for a day.
Solution:
The best type of plan for Dan to consider may be a Short Term Medical plan. Short Term Medical is a temporary health insurance plan for 30-185 days (varies by state) designed for people who are between permanent health plans. It's an excellent choice as you're waiting for benefits to kick in with your new employer.
How does COBRA compare to a Short Term Medical plan? If you have just left a job where you had health care coverage, you may have the right to continue the health insurance plan offered by your former employer through a federal law called COBRA. The COBRA legislation is designed to prevent interruptions in health insurance. The advantage of continuing on your current plan is that any ongoing treatment or medical condition may be covered without interruption.
On the other hand, Short Term Medical insurance may be a more affordable alternative to COBRA. This can make the difference between the risk of going without coverage and having quality health protection. With Short Term Medical, you choose the plan that best meets your needs and budget from a choice of deductibles, co-payment options and length of coverage. It's important to note that Short Term Medical insurance is intended to cover you in the case of an unexpected illness or injury and does not cover pre-existing medical conditions.
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I'm between jobs
Situation:
Tim just got laid off from his job. He's not too worried about it. He has a solid resume and great references. What he is worried about is health insurance.
The cost of the COBRA premium that his former company offered him would take too big a bite out of his monthly budget. He knows he'll find the right job in less than six months, but he doesn't want to go without health insurance in the meantime.
Solution:
Aside from COBRA, a great plan for you to consider if you know you'll be working again soon may be a Short Term Medical plan. Short Term Medical is a temporary health insurance plan specially designed for people who are between permanent health plans. It's available for your choice of 30 to 185 days (varies by state).
Short Term Medical offers a monthly payment option which is ideal if you're unsure how long you need coverage. This "pay-as-you-go" option gives you the flexibility to continue coverage up through the policy term you've chosen. Or, you can stop payment and discontinue the plan once your temporary need ends.
When you find a new job, you may want to consider keeping your Short Term Medical plan for awhile. Many employers have a waiting period before you're eligible for coverage under their group plan.
What's the advantage of Short Term Medical over COBRA? Short Term Medical may be much more affordable, depending upon your individual circumstances. That can make the difference as to whether you purchase quality health insurance protection or take the risk of going without coverage.
It's important to note, however, that Short Term Medical insurance is only intended to cover you in the case of an unexpected illness or injury, and does not cover pre-existing medical conditions. The advantage of continuing your current coverage under COBRA is that any on-going treatment you require or pre-existing medical condition you have may be covered without interruption.
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I'm a freelance, part-time or contract worker
Situation:
Jackie is happy with her temp job, which leaves her with plenty of time to search for the right full-time position. Because she's a temp worker, she isn't eligible for health insurance under an employer group health insurance plan. She's in good health and almost never goes to the doctor. But she's smart enough to want basic protection in case of an unexpected injury or illness.
Solution:
Not to worry Jackie. If you're confident that you'll find a full-time job within six months, consider Short Term Medical. This plan provides temporary protection from the high costs of an unexpected injury or illness, which could create a permanent threat to your financial stability.
Short Term Medical provides coverage for medical expenses and can be purchased for as few as 30 days or for as long as 185 days (varies by state). Enrollment is simple and premiums are affordable. You choose your own doctors and pick from four deductible levels. The higher the deductible you select, the lower your monthly premium will be. And the monthly payment option enables you to discontinue the plan once your temporary need ends.
By the way, once you've found your new job, you may want to consider keeping your Short Term Medical plan for awhile, because many employers have a waiting period before you're eligible for coverage under their group plan.
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We just graduated from college
Situation:
Heather and Phil just graduated from college. They're each pursuing different opportunities. Heather is job hunting. It may take awhile until she finds the right job. Meanwhile, she is no longer eligible for coverage under her parent's health plan.
Phil has already found a job. However, his employer does not offer health benefits until after he has been there for three months.
Solution:
Both Heather and Phil's situations are ideal for Short Term Medical. Enrollment is simple and premiums are affordable. Coverage can be purchased for as few as 30 days or as long as 185 days (varies by state).
Since Heather is unsure how long she'll need coverage, she may want to choose the monthly payment option. That way, she can cancel her coverage when she no longer needs it.
Phil, on the other hand, knows he only needs to wait three months until his health benefits kick in. Therefore, he may want to choose the single payment option - he will save money.
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I'm no longer covered by my parent's plan
Situation:
John and Amy just graduated from high school. John will head off to college in the fall, while Amy takes some time off before starting college. John will be covered under his parent's health plan but things aren't as easy for Amy. Since she isn't going to college right away, she will loose eligibility for dependent coverage on her parent's health plan. Getting health insurance is not a top priority for Amy, but as you might guess, it is for her parents.
Solution:
If it is definite that Amy will be going to college within the year, a Short Term Medical plan may be ideal in the meantime. This plan bridges the gap between permanent health plans, where even a temporary break in health coverage could create a permanent threat to her financial stability - or to her parents. Short Term Medical can be purchased for as few as 30 days or as long as 185 days (varies by state). Enrollment is simple and premiums are affordable. You choose your own doctors, deductibles and coinsurance.
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I was laid off and can't afford COBRA
Situation:
Chuck lost his job and money is tight. He has the option to take COBRA through his old employer but finds the cost to be out of his budget.
Solution:
Rest easy Chuck, Short Term Medical may be just the solution you're looking for. Enrollment is simple and premiums are affordable. Coverage can be purchased for as few as 30 days or as long as 185 days (varies by state). You choose your own doctors and hospitals and premiums can be paid in a single payment or in monthly payments. It takes minutes to apply, and if approved, you could be covered by tomorrow and save precious money.
However, it is important to note that Short Term Medical insurance is intended to cover you in the case of an unexpected illness or injury and does not cover pre-existing medical conditions. So, in some instances, COBRA coverage many be a better option. The advantage of continuing on your current plan through COBRA is that any on-going treatment or medical condition may be covered without interruption.
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*A covered illness or injury is an expense that is: 1) incurred for services, treatment or supplies prescribed by a physician; 2) incurred by a covered person as the result of illness or injury; 3) incurred for medically necessary care; and 4) incurred while this policy is in force.
**$2 million lifetime maximum on policies up to 6 months in duration; $1 million lifetime maximum on policies up to 12 months in duration.
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