1st Med STM Short Term Medical Insurance - Underwritten by Companion Life Insurance Company

Long Term Consumer Care, Inc. BBB Business Review
Short Term Health Insurance
Frequently Asked Questions
What is Short Term Insurance?
Short term health insurance is designed to provide low cost medical coverage on a temporary basis. Ideal if you are between jobs, a temporary or seasonal worker, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost alternative to COBRA insurance.
How long can I be covered?
Short term coverage is available for as little as 30 days and you can keep it for up to 6 or 12 months. Most plans allow you to purchase an odd number of days. When you select the single payment mode, you will typically receive a discount of 20-30%.
When does coverage begin?
Your short term coverage can begin as early as the next day. You can also select a later date
Current Policy Holders
Click HERE if you need to Extend Your Coverage
Low Price Guarantee
We Guarantee you will NOT find the 1st Med STM Plan for less anywhere!
"Get Free Rx, Lab & Imaging Plans when you apply through this site" More Info
The 1st Med STM is available in the following states
NOTE: The 1st Med STM has additional options available.
Excluding these options will lower your cost.
window View 1st Med STM Plan Details Quote or Apply
One Time Application Fee: $15

1st Med Short Term Medical is the affordable solution for temporary health coverage. It pays benefits like a major medical insurance plan, but for a pre determined length of time, and pays benefits up to a $2,000,000 Lifetime Maximum per Covered Person. You can select from a wide range of deductible and coinsurance options to tailor a plan to fit your lifestyle needs and budget!

1st Med Short Term Health Insurance features include


Pays up to $2,000,000 Lifetime Maximum per Covered Person


Choice of Coverage Periods - up to 6 or 12 months depending on your state


Doctor's Office or Urgent Care Facility visits - after a $50 co-payment the coinsurance will apply. This benefit is not subject to the deductible.


Choice of Deductibles - $250, $500, $1,000, $2,500, $5,000 or $7,500


Coinsurance options - 80% or 50% up to $5,000, and 100% thereafter up to the Lifetime Maximum


Freedom to choose any doctor or hospital or save more with the PHCS PPO network


Child Only Coverage is available - the minimum age is two years old


Med-Sense Guaranteed Association membership is required in most states and you become a member when you apply for coverage. Members receive a $25,000 Accidental Death & Dismemberment insurance as well as many life style discounts for various services and purchases

1st Med Short Term Medical is ideal for those who are


Between jobs or laid off


Waiting for employer benefits,


Part-time or temporary employees


College Student or recently graduated


Unable to afford COBRA coverage


Without adequate health insurance

Underwritten by:



  • 1st Med Short Term Health Insurance
  • 1st Med STM Benefit Details

The 1st Med STM - Short term health insurance plan by Health Insurance Innovations is designed to provide low cost medical coverage on a temporary basis.  Ideal if your between jobs, lay off, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost short term health insurance alternative to COBRA or traditional health coverage. 1st Med Short term coverage is available for as little as 30 days and you can keep it for up to 6 or 12 months depending on your state.  You can also choose the exact number of days.  When you select the single payment mode, you will typically receive a discount. Compare all of the short term health insurance plans to find the plan that fits your needs with the lowest cost..

How do I figure out what I need and where do I start?

First, you select your Coverage Period:

  • Single Payment:
    This option is ideal if you know the exact number of days you need coverage. The minimum number of days you may apply for coverage is 30 days, the maximum is 180 days. You pay now for the number of days you will need STM coverage. We accept payment by check, Visa or MasterCard.
  • Monthly Pay:
    This is ideal if you are unsure how long coverage is needed. This "pay as you go" option gives you the flexibility to continue coverage for as long as it's needed or simply stop payments and discontinue the plan once your temporary need ends you can select coverage up to 6 months or up to 12 months (not available in all states). We accept automatic monthly payments by Visa, MasterCard or Bank Draft.

Then, based on your lifestyle needs and budget, you select one from each of the following:

  • Deductible: $250, $500, $1,000, $2,500, $5,000 or $7,500
    This is the amount of Covered Expenses that each Covered Person must pay before Coinsurance benefits are payable.
  • Coinsurance Percentage: 80/20 or 50/50
    After the deductible is satisfied, this represents the percent of covered expenses that we pay and that you pay up to the Coinsurance Limit.
  • Coinsurance Limit: $5,000
    Once you've reached your Coinsurance Limit of $5,000(based on your selection), we pay 100% up to the $2,000,000 Lifetime Maximum. For example, if the coinsurance is 80/20, we pay 80% and you pay 20% for covered expenses until you have met your Coinsurance Limit. Then we pay at 100% up to the Lifetime Maximum.

What medical expenses are covered?

The following benefits are for Insured and each Covered Dependent subject to the plan Deductible, Coinsurance Percentage, Coinsurance Limit and Lifetime Maximum of $2,000,000. Benefits are limited to the Usual, Reasonable and Customary charge for each Covered Expense, in addition to any specific limits stated in the policy.

  • Inpatient Hospital charges paid at the average semi-private room rate
  • Miscellaneous Medical Services, doctors medical care and treatment
  • Intensive or Critical Care up to three times the average semi-private room rate
  • $50 Co-Pay for Doctor Office Visit or Urgent Care Facility, after which the coinsurance applies. The plan deductible does not apply to this benefit.
  • Outpatient Hospital or Emergency Room Care
  • Physician services for treatment and diagnosis
  • Extended Care Facility up to $150 per day a maximum of 60 days
  • Ambulatory Surgical Center or Outpatient Hospital Surgical Facility
  • Surgeon services in the hospital or ambulatory surgical center
  • Assistant Surgeon services up to 20% of surgeons benefit
  • Anesthesia services up to 20% of surgeons benefit
  • X-ray exams, laboratory tests and analysis, radioactive isotope therapy, oxygen, casts, splints, crutches, braces, surgical dressings, artificial limbs or eyes, rental of medical supplies
  • Physical Therapy maximum benefit $50 per visit per day
  • Outpatient and Inpatient Treatment for Mental and Nervous Disorders
  • Ambulance Transportation maximum benefit $250
  • Blood or blood derivatives and their administration
  • Mammography
  • Inpatient prescription drugs
  • Home Health Care Maximum of 40 visits per Coverage Period
  • Inpatient Maternity coverage

Note: This is a brief description of the plan benefits, which may vary by state..

What is Pre-Admission Certification?

All hospitalizations, other Inpatient care, and surgeries or surgical procedures must be pre-certified. You must contact the Professional Review Organization as soon as possible before the expense is to be incurred within 48 hours following an emergency admission, or as soon as reasonably possible. Failure to pre-certify will result in a reduction in benefits of 50%.

How does Usual, Reasonable and Customary affect my benefits?

We may use and subscribe to a standard industry reference source that collects data and makes it available to its member companies in order to determine the amount that should be considered as Usual, Reasonable and Customary for services and supplies.
The policy defines Usual, Reasonable and Customary to mean: a usual fee is defined as the charge made for a given service by a doctor to the majority of his or her patients; and a customary fee is one that is charged by the majority of doctors with a community for the same services. All benefits are limited to Usual and Customary charges.

Do I have the option to use any doctor or hospital?

Yes, there is no PPO or HMO Network requirement to receive full benefits


What if I change my mind after I purchase the STM Coverage?

If for any reason you are not satisfied with your coverage, and you have not filed a claim, you may return the Certificate to us within 10 days after you receive it. We will refund any premium you paid and your STM coverage will be null and void.


What is the Pre-Existing Conditions Limitation?

We will not provide benefits for any loss caused by or resulting from, a Pre-Existing Condition.
A Pre-Existing Condition is defined as any medical condition or Sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended by or received from a Doctor within the 5 years immediately prior to a Covered Person's Effective Date of Coverage, which charges would be excluded for the first 12 months of coverage hereunder. (The Pre-Existing Conditions Limitation varies by state and may be less than 5 years.)

Who is eligible to apply for this insurance?

1st Med Short Term Medical is available to Med Sense Guaranteed Association members and their spouses, who are between 18 and 64 years old and their dependent unmarried children under 19 years old or under 25 if a full time student in an accredited school (This may vary by jurisdiction.); and can answer "No" to all of the questions in the application for insurance. Child-only coverage is available for ages two though eighteen.


When does coverage start?

You can select your insurance to be effective as early 12:01 a.m. the day following the transmission date of your application. However, you can choose a later effective date, but not to exceed 60 days from the date of transmission. All coverage is subject to approval of your application and payment of your first premium.


When does the STM coverage terminate?

1st Med Short Term Medical will automatically terminate on the earliest of the following dates:
The Expiration date of your coverage; the date the Group Policy Terminates; the date the insurance under the Group Policy is discontinued; the due date of a premium payment, if is is not paid by the end of the 31 day grace period; the date you become eligible for Medicare; your dependent's coverage ends when your coverage terminates or the dependent becomes eligible for Medicare; or the dependent cease to be eligible; the date you enter full-time active duty in the armed forces of any country or international organization; or the date we determine fraudulent statements or material misrepresentation have been made by you or with your knowledge in filing a claim for benefits.


Who is Companion Life Insurance Company?

Companion Life Insurance Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. A.M. Best ratings range from D to A++. Companion Life Insurance Company has sole financial responsibility for it products.


Are there other non-insurance value added benefits and savings available?


Med Sense Guaranteed Association:

Med Sense Guaranteed Association is a Not-For-Profit Illinois corporation. Through your membership in MSGA, you will enjoy discounts on a variety of Health and Travel services. Following is an overview of your membership benefits:

* These are not insurance benefits. These are association discounts and lifestyle benefits and are not affiliated with Companion Life Insurance Company or the 1st Med Short Term Medical Plan.

MedCare USA Prescription Discount Card (Automatically Included): *

With the rising cost of medication, the MedCare USA prescription discount card program can help you save on your prescription drug medications. The MedCare USA® card prescription discount card is NOT insurance, which makes it easy to use! You will pay 100% of the discounted price at participating pharmacies. Because it is a discount program, there are:

NO claim forms NO reimbursement procedures
NO pre-existing condition exclusions NO waiting periods
NO deductibles NO benefit maximums
Save an average of 15% off retail price on many brand name prescription drugs
Save an average of 54% off retail price on many generic prescription drugs

This card is accepted at over 53,000 pharmacies throughout the United States, including most national chains and independent pharmacies. Simply present your membership card to a participating pharmacy and you'll qualify for savings when you pay at the time of service. Discounts are available only at participating pharmacies and may vary by pharmacy. Prescriptions obtained using the MedCare USA® card are not eligible for reimbursement through state or federal health care plans.

*This is automatically included at no extra cost with 1st Med Short Term Medical Plan.


Extra Care Package (Optional purchase): *

  • Careington Dental Network - Members save on average $1,200 per family on dental work through access to over 62,000 providers nationwide. Savings range from 20% to 50% on most dental procedures. *

  • CallMD - Members have access to a physician 24 hours a day, by calling their toll free number. Real physician consultation right over the phone, and in most states you can obtain a non-narcotic or controlled prescription. You receive 12 consultations per year at no cost; after that you pay $35 per consultation. *

  • Better Living Now - Your much needed Medical Supplies delivered right to your doorstep. *

  • CareNet - 24 Hour Nurse Line triage service available 24 hours a day, informative medical advice that can save lives. *

  • Direct Labs - members have access to the major clinical labs across the country for blood tests. Save from 20% to 75% off retail pricing on blood tests. *

* These are not insurance benefits and are not affiliated with Companion Life Insurance Company or the 1st Med Short Term Medical.

Colorado Residents: The policy does not provide portability of prior coverage. As a result, any injury, sickness or pregnancy for which you have incurred charges, received medical treatment, consulted a health care professional, or taken prescription drugs within 12 months of the effective date of coverage will not be covered under this policy.

Underwritten by:
Companion Life

Legal Disclaimer: This web site provides a brief description of the plan. You must be 18 years old to apply. The policy will contain reductions, limitations,exclusions, and termination provisions. Full details of the coverage are contained in policy form number HIIMSG100. If there are any conflicts between this document and the Policy, the Policy shall govern.The 1st Med Short Term Medical is not available in all U.S states or any other countries outside the U.S and coverage and benefits may vary by state as well.

1st Med STM - Short Term Health Insurance 02172012