Short Term Medical Insurance

Comprehensive health insurance products are perfect for:

• People in non-traditional jobs
• Temporary employees less likely to receive health insurance from their employers
• People in career transition
• Self-employed
• Between health insurance plans
• Unemployed or recently laid off
• Looking for a lower-cost alternative to COBRA or more comprehensive health insurance
• A college student or recent graduate who is just starting out

Medical plans offer:

• Comprehensive medical coverage
• No prerequisite to join an HMO or PPO as most major medical coverage dictates
• Freedom of choice of any doctor or hospital
• Flexible payment, deductible and coinsurance options
• Competitive premium rates
• Quick and easy enrollment with simplified underwriting and instant approval
• HPA partners include several "A" and "A++" rated A.M. Best carriers

Short Term Medical Insurance Choices

Competitor Secure 12x3 STM - (Standard Security Life Insurance Company of New York) You can apply for three consecutive 12 month coverage periods, up to a maximum of 36 months in all.  Anytime you are without insurance, you are running a risk. You may not have a health problem now, but insurance is for the unexpected. Secure 12x3 STM allows you and your family to purchase affordable short-term medical coverage for physician services, surgery, outpatient and inpatient care for a temporary period.
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Longer Coverage:  Secure STM - (Standard Security Life Insurance Company of New York) Short Term Medical coverage from 30 days up to 6 or 12 months of coverage. Eligibility up to age 65. Including; $2,000,000 Lifetime Maximum Per Covered person; Freedom to choose any doctor or hospital; Choice of $250, $500, $1,000, and $2,500 deductibles; Select to pay monthly or single payment; Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft; Children age 19 and over should apply separately. Child-only coverage is available for ages 2 through 18.
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