Essential STM Short Term Medical Insurance

Underwritten by Starr Indemnity & Liability Rated A Excellent by AM Best

Long Term Consumer Care, Inc. BBB Business Review
Short Term Health Insurance
Frequently Asked Questions
What is Short Term Insurance?
Essential 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?
Essential STM 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 receive a discount.
When does coverage begin?
Your Essential STM 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
Live Chat
We Guarantee you will NOT find the Essential STM Plan for less anywhere!
"Get Free Rx, Lab & Imaging Plans when you apply through this site" More Info
The Essential STM is
No longer available
 

Essential STM Short Term Medical is one of the lowest priced short term plans. The Essential STM plan pays benefits like a major medical insurance plan, but for a specific length of time. Including benefits up to a $750,000 Lifetime Maximum per Covered Person. You can select from a wide range of deductible and coinsurance options to create a plan to fit your needs and budget!

Essential STM - Short Term Health Insurance features include

bullet

Pays up to $750,000 Lifetime Maximum per Covered Person

bullet

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

bullet

Doctors Office and Urgent Care Center up to $25 per visit, up to 4 visits per Coverage Period

bullet

Choice of Deductibles - $250, $500, $1,000 and $2,500

bullet

Coinsurance options - 80% up to $10,000, and 100% thereafter up to the Lifetime Maximum of $750,000 per person for covered medical expenses

bullet

Choose any doctor or hospital or save more with the PHCS PPO network

bullet

Child Only Coverage is available - the minimum age is two years old. There is no minimum age limit for children when included as a dependent.

bullet

Foreign Travel (medical care while in a foreign country) covered up to $25,000 (After a $250 benefit deductible)

bullet

$10,000 Accidental Death Benefit (Not Available in all states)

Essential STM - Short Term Medical is ideal for those who are

bullet

Between jobs or laid off

bullet

Waiting for employer benefits,

bullet

Part-time or temporary employees

bullet

College Student or recently graduated

bullet

Unable to afford COBRA coverage

bullet

Without adequate health insurance

       
Underwritten by: Underwritten by Starr Indemnity & Liability Company
 

 

  • Essential STM Short Term Medical
  • Essential STM Benefit Details

The Essential STM - Short term medical 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. Essential STM - 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 receive a discount. Compare all of the short term health insurance plans to find the plan that fits your needs with the lowest cost..

Why Short Term Medical (STM)?
Circumstances in life may have caused you to lose your health insurance. Unexpected illnesses and accidents happen every day, so don't put your financial future at risk if you can purchase short term medical insurance, until permanent insurance is available for you.

That's why Health Insurance Innovation's Essential STM Plan is the affordable solution right for you. Essential STM pays for a pre-determined length of coverage, up to a Lifetime Maximum of $750,000 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!

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
    This is the amount of Covered Expenses that each Covered Person must pay before Coinsurance benefits are payable.
  • Coinsurance Percentage: 80/20 of $10,000
    After the deductible is satisfied, the coinsurance is shared by you and the insurance company until the Coinsurance Limit is met. The insurance company pays 80% and you would be responsible for the remaining 20% which would be $2,000.
  • Essential STM Coinsurance Limit: $10,000
    Once you've reached your shared Coinsurance Limit of $5,000 (based on your selection), Starr Indemnity pays 100% of the covered medical expenses up to the $700,000 Lifetime Maximum per person. For example, if the coinsurance is 80/20, Starr Indemnity & Liability Company pays 80% and you pay 20% for covered expenses until you have met your Coinsurance Limit of $2,000. Then the insurance company pays at 100% up to the Lifetime Maximum of $750,000.

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 $750,000. Benefits are limited to the Usual, Reasonable and Customary charge for each Covered Expense, in addition to any specific limits stated in the policy.

    • In Hospital Covered Expenses up to $1,000 per day (includes all miscellaneous medical charges)
    • Intensive or Critical Care Covered Expenses up to $1,250 per day (includes all miscellaneous medical charges)
    • In Hospital Doctors Visits up to $500 per hospital stay
    • Outpatient Miscellaneous Charges up to $1,000 per Coverage Period
    • Doctors Office and Urgent Care Center up to $25 per visit, up to 4 visits per Coverage Period
    • Foreign Travel after a $250 Benefit Deductible up to a $25,000 Maximum per Coverage Period
    • Skilled Nursing Facility $30 per day up to a maximum of 30 days per Coverage Period
    • Ambulatory Surgical Center or Outpatient Hospital Surgery up to $1,000 per day (includes all miscellaneous medical charges)
    • Surgeon services in the hospital or ambulatory surgical center up to $2,500 per surgery, not to exceed $5,000 per Coverage Period
    • Assistant Surgeon services up to 20% of surgeons benefit (this benefit combined with surgery and anesthesia cannot exceed the $2,500 limit per surgery or $5,000 limit per Coverage Period)
    • Anesthesia services up to 20% of surgeons benefit (this benefit combined with surgery and assist surgery cannot exceed the $2,500 limit per surgery or $5,000 limit per Coverage Period)
    • Ambulance Ground or Air Maximum Benefit of $250 per trip
    • Home Health Care up to $40 per visit up to a Maximum of 40 visits per Coverage Period
    • Hospice Care up to $5,000 Maximum per Coverage Period
    • Acquired Immune Deficiency Syndrome (AIDS) same as any sickness
    • Temporomandibular Joint Disorder (TMJ) up to $3,500 Maximum per Coverage Period
    • Organ tissue transplants up to $50,000 Maximum per Coverage Period

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?

The Essential STM Short Term Medical plan 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?

Essential STM 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 Starr Indemnity & Liability Company?

Starr Indemnity & Liability Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. A.M. Best ratings range from D to A++. Starr Indemnity & Liability 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.

* These are not insurance benefits. These are association discounts and lifestyle benefits and are not affiliated with Starr Indemnity & Liability Company or the Med Plus 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 Essential STM Short Term Medical Plan.

 

* These are not insurance benefits and are not affiliated with Starr Indemnity Insurance Company or the Med Plus Short Term Medical Insurance plan.

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:

Starr Indemnity & Liability Company is an admitted insurer rated "A" (Excellent) by A.M. Best Company. Starr Indemnity and Liability Company, a Texas insurance company, has its principal place of business at 399 Park Place Avenue, New York, New York, 10022. It is currently authorized to transact business in all states (except Connecticut, District of Columbia and Puerto Rico). NAIC No. 38318.

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 AH-60001. If there are any conflicts between this document and the Policy, the Policy shall govern. Med Plus STM 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.

This is not basic health insurance or major medical and it is not designed to substitute basic health insurance or major medical.

*Essential STM is Not available in all states

 

Essential STM - Short Term Health Insurance 06132013