SHORT TERM MEDICAL (STM)
WhAT IS STM insurance?
STM insurance plans provide insurance coverage during life transitions. When you are between group insurance or individual major medical policies, STM insurance policies help pay for covered medical expenses and are affordable, customizable, and convenient.
Coverage can begin as early as the day following acceptance of your online application.
An STM policy may be right for you if:
• You missed the open enrollment period
• Are waiting for your ACA coverage to start
• Are waiting for health benefits to begin at a new job
• Are looking for coverage to bridge you to Medicare
• Need an alternative to COBRA