Short-Term Medical Insurance

Temporary health coverage designed to fill gaps between major medical plans. It's fast to get, affordable, and covers you for unexpected illnesses and injuries while you're between jobs, waiting for other coverage to start, or need a bridge solution.

Coverage Starts Quickly
Apply today, get covered as soon as tomorrow. No waiting for open enrollment periods.

Lower Premiums
Costs significantly less than ACA plans - often 50-70% cheaper for the same coverage period.

Choose Your Doctors
PPO network lets you see any provider. No referrals needed.

Flexible Terms
Coverage periods from 30 days to 364 days (varies by state). Renewable in most states.

Simple Application
Quick health questions, fast approval. Most applications approved within 24 hours.

✓ Doctor visits and urgent care
✓ Emergency room treatment
✓ Hospital stays and surgery
✓ Ambulance services
✓ Lab tests and X-rays
✓ Prescription drugs (with Rx rider in most states)
✓ Physical therapy
✓ Diagnostic testing

Optional Add-Ons:
Telemedicine • Prescription drug coverage • Dental • Vision

Pre-existing conditions are excluded. This includes any condition you had symptoms of or treatment for in the past 12-36 months (varies by state and plan).

Also typically excluded:

• Maternity care
• Preventive care and wellness visits
• Mental health services
• Substance abuse treatment

Short-term plans are for unexpected new illnesses and accidents, not ongoing care.

• Between jobs and lost employer coverage
• Waiting for new job benefits to start
• Missed ACA open enrollment
• Recent college graduates
• Early retirees under age 65
• Self-employed during slow season
• Anyone needing immediate, affordable coverage
• 
  

Short-Term Advantages:

• Available year-round, no enrollment periods
• Much lower monthly premiums
• Coverage starts immediately
• Choose any doctor/hospital
• Simple application process

ACA Plan Advantages:

• Covers pre-existing conditions
• Includes preventive care
• Maternity coverage
• Mental health services
• Cannot be cancelled if you get sick

We'll explain both options so you choose what fits your situation.

Initial term: 30 days to 364 days depending on state and plan
Renewals: Available in most states, some allow up to 36 months total coverage

State regulations vary. We'll tell you exactly what's available where you live.

Actual premiums depend on age, location, and coverage selected:

Individual (age 30): $150-$250/month
Individual (age 50): $300-$450/month
Family of 4: $400-$700/month

These are estimates. Get your actual quote in 2 minutes.

Choose deductibles from:

• $1,000
• $2,500
• $5,000
• $10,000

Higher deductibles = lower monthly premiums. Pick what makes sense for your budget and risk tolerance.

"Will this cover my diabetes/asthma/high blood pressure?"
No. Pre-existing conditions are excluded. If you need coverage for ongoing conditions, we'll recommend ACA plans instead.

"What if I get cancer while covered?"
New conditions that occur after your coverage starts are covered, subject to your plan's benefits and limits.

"Can the insurance company cancel me if I get sick?"
No, as long as you pay your premiums on time, they cannot cancel you for getting sick during your coverage period.

"Is this 'real' insurance?"
Yes, but it's different from comprehensive major medical. It's designed for temporary gaps, not long-term coverage.

"What happens when my term ends?"
In most states you can renew. Or we'll help you transition to an ACA plan or other long-term coverage.

Short-term medical is available in most states, but regulations vary:

Not available in: California, Colorado, Connecticut, Hawaii, Massachusetts, New Jersey, New Mexico, New York, Rhode Island, Vermont, Washington DC

Limited terms in: Some states restrict coverage to 3-6 months

Most flexible in: 32+ states allow terms up to 364 days with renewals

We'll tell you exactly what's available in your state.

1. Get Your Quote
Call [Your Number] or complete online form - takes 2 minutes

2. Answer Health Questions
Simple questionnaire about recent medical history

3. Get Approved
Most applications approved same day

4. Coverage Starts
Often as soon as the next day

No waiting. No hassle.

Short-term medical insurance is not comprehensive major medical coverage and does not satisfy the Affordable Care Act's individual mandate. It excludes pre-existing conditions and may have coverage gaps. We'll fully explain limitations before you enroll.

CALL NOW: [Your Number]

GET ONLINE QUOTE