Short Term Health Insurance - How it works
 
This is a brief overview of how short term plans work and how each plan is different.  Short Term Health Insurance will cover you if you become ill, have an accident or injury.  Coverage can includes doctor office visits, inpatient and outpatient hospital, surgery, transplants, x-ray, labs.  Most plans allow you to choose any doctor or hospital (see chart below).  Coverage can begin as early as 12:01AM tonight.  You can also choose a later date.  Completing the application takes less than 10 minutes.  Most plans have instant online approval if you are eligible. If you can answer NO to the few medical questions you are eligible and the policy is approved. You can apply and pay for your plan online, by mail or fax. All plans have a 10 day free look period and you can cancel the plan for any reason for a complete refund of the premium.
Deductibles and Co-Insurance - If you become ill, have an accident or injury, payments are made according to the deductible and co-insurance that you choose.  First you would pay your deductible and then the co-insurance starts.  Co-insurance is the amount you are required to pay for medical care after the deductible has been met. The Co-insurance rate is expressed as a percentage and there is a dollar limit. For example, the insurance company may pay 80% of the covered claim, and the insured pays the remaining 20%.  This would be called 80/20.  If the limit is $5,000, then the insurance company would pay 80% and you would pay 20%.  After this, the insurance company pays 100% up to the policy limits. It pays to know what your co-insurance limit is.
Example: - John purchased the Liberty Select plan with a $1,000 deductible and 80/20 Co-insurance

John falls off his ladder and breaks his leg.  The total medical bill is $15,000.  First John would pay his $1,000 deductible.  Next John would pay 20% of the next $5,000 (the $5,000 is the co-insurance limit) and the insurance company pays 80%.  After this, the insurance company pays 100% of the medical bill according to the policy limits.

John's total out of pocket: $1,000 deductible + $1,000 for the co-insurance = $2,000
The remaining $13,000 is paid by the insurance company.
We also offer "No Deductible Limited Medical Insurance Plans" that pay you directly for office visits, outpatient, inpatient hospital stays, ambulance and more.  Click Here for more info and a quote
Short Term Health Insurance - Plan Comparison
  Liberty Select Assurant STM Secure STM
Insurance Co Standard Security Life Insurance Company of NY Time Insurance Company Standard Security Life Insurance Company of NY
AM Best Rating A - Excellent A - Excellent A - Excellent
Application Fee: $10 (Charged by Insurance Co) $20 (Charged by Insurance Co) $10 (Charged by Insurance Co)
Deductible Options $250, $500, $1,000, $2,500, $5,000 $250, $500, $1,000, $2,500, $5,000 $250, $500, $1,000, $2,500, $5,000
Coinsurance You pay 20% or 50% of the Coinsurance after deductible You pay 20% or 50% of the Coinsurance after deductible* You pay 20% or 50% of the Coinsurance after deductible
Coinsurance Limit $5,000 (Amount shared) $10,000 (Amount shared) $5,000 (Amount shared)
Lifetime Maximum $2 Million per person $2 Million per person** $2 Million per person
Coverage Length 30 days to 6 or 12 months* 30 days to 6 or 12 months* 30 days to 6 or 12 months*
Doctor / Hospital Use any doctor / hospital Use any doctor / hospital Use any doctor / hospital
Online Policy Print your policy online Online of by mail Print your policy online
Online Quote Quote or Apply Online Quote or Apply Online Quote or Apply Online
Special Notes

Single payment discounts available. Optional CFA discount plan.

Single payment discounts available. Optional Accident Medical Expense rider.

Single payment discounts available. CFA discount plan included with plan.
  American Health Shield Secure 12x3 STM Secure Lite STM
Insurance Co Fairmont Specialty / Crum Forster Standard Security Life Insurance Company of NY Standard Security Life Insurance Company of NY
AM Best Rating A - Excellent A - Excellent A - Excellent
Application Fee: $10 (Charged by Insurance Co) $10 (Charged by Insurance Co) $10 (Charged by Insurance Co)
Deductible Options $250, $500, $1,000, $2,500 $500, $1,000, $2,500, $5,000 $500, $1,000, $2,500, $5,000
Coinsurance You pay 20% or 50% of the Coinsurance after deductible You pay 20% or 50% of the Coinsurance after deductible You pay 20% or 50% of the Coinsurance after deductible
Coinsurance Limit $5,000 (Amount shared) $10,000 (Amount shared) $10,000 (Amount shared)
Lifetime Maximum $2 Million per person $750,000 per person $750,000 per person
Coverage Length 30 days to 6 or 12 months* Renewable up to 36 months 30 days to 6 months
Doctor / Hospital Use any doctor / hospital Use any doctor / hospital Use any doctor / hospital
Online Policy Policy is sent by mail Print your policy online Print your policy online
Online Quote Quote or Apply Online Quote or Apply Online Quote or Apply Online
Special Notes

Single payment discounts available.

Single payment discounts available. Includes Rx Co-Pay card

 Single payment discounts available. Optional Rx Co-Pay card.
  Celtic Short Term Golden Rule STM

Please Note: All application fees are charged by the insurance company or plan administrator. We do not charge any additional fees and we do not receive any part of the application fee.

Insurance rates are regulated. The prices you receive through this site are the same as what you would pay if you could purchase the plan directly through the insurance company.

All quotes and applications are secure and served directly through the insurance companies we represent.   
Insurance Co Celtic Insurance Company Golden Rule / United Health Care
AM Best Rating A Excellent A Excellent
Application Fee: $0 If you apply online $20 (Charged by Insurance Co)
Deductible Options $250, $500, $1,000, $2,500 $250, $500, $1,000, $1,500, $2,500 Per Illness or Injury
Coinsurance You pay 20% or 50% of the Coinsurance after deductible You pay 20% of the Coinsurance after deductible
Coinsurance Limit $5,000 (Amount shared) $5,000 (Amount shared)
Lifetime Maximum $2 Million per person $1 Million per person
Coverage Length Single Payment up to 6 months 1 to 6 months
Doctor / Hospital Use any doctor / hospital Network Restrictions
Online Policy Policy is sent by mail Policy is sent by mail
Online Quote Quote or Apply Online Quote or Apply Online
Special Notes

Single payment only. You must choose the exact number of months of coverage.

  Limited Plan - Deductible is per illness accident or injury.
*Short term plans are not available in all states. Some states only allow a maximum six-month coverage period.
**Assurant has the option to increase coverage to $5 Million / person in most states.
All application fees are charged by the insurance company or plan administrator.
AM Best Company ratings are assigned to insurance companies based on financial condition

For plan details, quotes and applications, please visit: www.consumerbenefits.net/temp.htm
 
 
Long Term Consumer Care, Inc.
N27 W23960 Paul Road Suite 201 ~ Pewaukee, WI  53072
Toll Free: 1.800.544.9505  Fax: 1-262.523-1910

Copyright© 1999 † 2008  Long Term Consumer Care, Inc.

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