SHORT TERM MEDICAL (STM)

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Short Term health insurance, sometimes called Term health insurance or Temporary health insurance, is designed to bridge gaps in your health care coverage during times of transition.

  • Individuals transitioning between jobs

  • College students or recent graduates

  • New employees waiting for group coverage to begin

  • Individuals not yet eligible for Medicare coverage

  • Individuals waiting on approval of major medical coverage

  • Individuals no longer eligible on parents’ plan due to age or status

  • Individuals looking for an affordable substitute for COBRA

Temporary policies do not cover pre-existing conditions. Temporary health insurance is also not considered minimum essential coverage under the Affordable Care Act (also called Obamacare), and even if you enroll in and maintain temporary coverage you may NOT be exempt from the Shared Responsibility Payment (tax) that may otherwise apply for not having qualifying health insurance.

 "What you don't know will hurt you!" 

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New HealtheMed STM is ideal for those who are:

  • Between jobs or laid off

  • Waiting for employer benefits

  • Part-time or temporary employees

  • Recently graduated

Who is STM Complete Appropriate For?

  • Individual waiting on approval of major medical coverage

  • Individuals transitioning between jobs

  • College students or recent graduate

  • Individuals no longer eligible on parents' policy due to age or status

  • Individuals looking for an affordable substitute for COBRA

  • New employees waiting for group coverage to begin

  • Individuals not yet eligible for Medicare coverage

The IHC Group

Temporary health insurance is a perfect solution for individuals needing insurance in the short term, whether they are uninsured, unemployed, self-employed or just need an affordable insurance product that fits their monthly budget. 

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