Short Term Medical Insurance
Fast, affordable coverage for gaps in your health insurance. Get covered as soon as tomorrow with flexible terms from 1-12 months.
Why Choose Short Term Medical Insurance?
Perfect for temporary coverage gaps when you need protection right away.
Immediate Coverage
Coverage can start as soon as the next day after approval. No waiting periods for most services.
Affordable Premiums
Significantly lower monthly premiums compared to traditional health insurance plans.
Flexible Terms
Choose coverage periods from 1-12 months depending on your needs and state regulations.
Nationwide Network
Access to a large network of doctors and hospitals across the country.
Is Short Term Medical Right for You?
Ideal for These Situations
- Between jobs and waiting for new employer coverage
- Missed open enrollment period
- Waiting for Medicare eligibility
- Early retirement before age 65
- College graduates aging off parent's plan
- Seasonal workers and contractors
- COBRA alternative - more affordable option
What's Covered
- Emergency room visits
- Urgent care
- Doctor visits
- Diagnostic tests and X-rays
- Prescription drugs
- Outpatient surgery
- Hospital stays
- Ambulance services
Important to Know:
- • Pre-existing conditions are typically not covered
- • Not ACA-compliant (not a substitute for major medical)
- • Coverage periods vary by state (1-12 months)
- • May have waiting periods for certain services
Short Term Medical vs. COBRA
Short Term Medical
Lower Cost
Typically 50-80% less expensive than COBRA
Quick Approval
Coverage can start as soon as tomorrow
Flexible Terms
Choose 1-12 month coverage periods
Note
Pre-existing conditions not covered
COBRA
Same Coverage
Keeps your existing employer plan
Pre-existing Covered
All conditions continue to be covered
Higher Cost
Pay full premium plus 2% admin fee
Limited Time
Maximum 18 months coverage