Short-Term Medical Plans

The following plans are Guaranteed Issue with certain restrictions.  You only have to answer a few questions to qualify and there is no medical underwriting or Paramed Exam required.

A. HPA / Standard Life Secure STM

Plan provides up to $2.0M in Major Medical coverage for 1-12 months and includes a Prescription Drug Discount card.  Does not cover Doctor Office Visits or pre-existing conditions.  Only available if you have not been declined for coverage in the past 12 months. This is the best plan on the market.

B. Assurant / Time Life

Plan provides up to $2.0M in Major Medical coverage for 1-12 months and includes a Prescription Drug Discount card.  Does not cover Doctor Office Visit Co-pays or pre-existing conditions.  Only available if you have not been declined for coverage in the past 12 months.

Select “Short-Term Medical Insurance”

C. HPA / Standard Life Secure 12x3 STM

Plan provides up to $750K/Year in Major Medical coverage for 1-12 months and is Guaranteed Renewable for 3 years. This plan includes a Prescription Drug Copay card; $25 Doctor Visit Reimbursement; and Dental Discount plan  Does not cover Doctor Office Visits or pre-existing conditions.  Only plan available if you have been declined for coverage in the past 12 months.