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Short term medical insurance provides
- Coverage for 30-185 days
- Up to $2 million in coverage
...and is for people who are:
- Between jobs or laid off
- Looking for a lower-cost alternative to COBRA
- Recent college graduates
- Waiting for employer-sponsored coverage
- Temporary or seasonal employees
We provide short term medical insurance through two companies, Assurant Health and Allied National. The plans are compared in the table below. Click the button for each company to learn more about their plan, get a quote, or apply for the plan on-line right now.
Who is eligible?
- Healthy individuals and children through the age of 64
- Dependent children through the age of 18
- Foreign residents living in the U.S. for at least one year at the time of enrollment, with proof of Alien Registration Receipt Card, Visa, or other appropriate documentation
Coverage is valid only in:
- The U.S., its territories, posessions, and Canada
Short term medical plan comparison
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| Assurant | Allied | Golden Rule | |
| Maximum benefit while covered | $2 million | $1 million | $1 million |
| Coverage term | 30-185 days | 30-180 days | 30-180 days |
| Choose your own doctors? | Yes | Yes | Yes |
| Office visits and consultations | Subject to deductible and coinsurance | $25 co-pay, then covered 100% | Subject to deductible and Co-insurance |
| Other office visit services (e.g. lab and X-ray) | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Prescription drugs, generic | Subject to deductible and coinsurance | $25 co-pay, then covered 100% | Subject to deductible and coinsurance |
| Prescription drugs, name brand with generic equivalent | Subject to deductible and coinsurance | Benefit paid based on price of generic | Subject to deductible and coinsurance |
| Prescription drugs, name brand with no generic equivalent | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Deductible options | $250, $500, $1000, or $2500 | $500, $1000, $2000 | $250, $500, $1000, or $2500 |
| If the $250 or $500 deductible option is selected, a covered person needs to satisfy a deductible before benefits are paid. Families of 3 or more people will only need to satisfy a maximum of three deductibles. | This is a one-time deductible during your coverage period. If you are covering dependents there is a maximum of three deductibles per family. | This is a per illness or per injury deductible. | |
| Families: Single deductible available? | One Family Deductible - only one deductible needs to be satisfied by all covered family members if the $1000 or $2500 deductible option is selected. | No | No |
| Rate of payment (coinsurance), after deductible is met: | 100%, 80/20, or 50/50 Note: the 100% option is not available with a $250 deductible |
70/30 | 80/20 |
| Covers intercollegiate, interscholastic and secondary atheletic injuries | No | Up to $10,000 | No |
| Covers pre-existing conditions | No | No | No |
| Covers normal pregnancy | No | No | No |
| Payment options | Single payment, or monthly by credit card, check, or automatic deduction | Single payment, or monthly by credit card, check, or automatic deduction | Single payment, or monthly by credit card, check, or automatic deduction |
| Discount for single payment? | Yes | Yes | Yes |
| Premium refunded if policy cancelled within 10 days of receiving certificate of insurance? | Yes | Yes | Yes |
| Supplemental Accident Benefit Option | Yes, call us for details | Yes, $300 coverage for a small extra fee | No |
| Plan administered by | Assurant Health | Allied National, Inc. | Golden Rule a United Health Care Company |
| Underwritten by | Time Insurance Company | Guarantee Trust Life Insurance Company | Golden Rule |
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Both plans have additional exclusions not listed here which are fully documented in each policy. Please call us if you have specific questions.
Short Term Medical insurance is often a lower cost alternative to COBRA. To preserve your rights to guaranteed health insurance and coverage for pre-existing conditions, you may need to purchase up to 18 months of COBRA. You may forego these rights when you purchase a Short Term Medical plan or choose to go without insurance.
If you'd prefer to speak with us in person about your health insurance needs, we'd love to talk with you. Please call us at 866-528-6547.