Temporary Health Insurance
Temporary Health Insurance 
  Short Term Health Insurance - Specialists Since 1973

 

Short Term Health Insurance - Instant Approval & Guaranteed Lowest Rates

  Get a Free Rx, Lab & Imaging Savings Plan When You Apply Through This Site More Info

   

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Short term health insurance coverage protects you in the event of an unexpected illness, accident or injury. Coverage is available for 30 days to 6 or 12 months depending on your state.  Most plans allow you to use any doctor or hospital.  All quotes and applications are processed directly through the insurance company's.  All plans are Rated A-Excellent or better by AM Best

View & Print  Brochures & The Short Term Health Plan Comparison Worksheet 

Questions or to Apply over the Phone - Call Toll Free: 1-800-544-9505

"We only offer plans underwritten by insurance companies with an AM Best Financial Rating of A-Excellent or Better"

Need Help understanding how short term health insurance works and the how plans compare?  Click Here for the Buyers Guide

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 > Lowest Average Price > Lowest out of Pocket > Best Coverage > Best Selling Plan

Best Selling Plan: Which plans do our customers choose?  The short term health insurance plans are sorted by the number of policy's sold over the past 36 months.  Most of our customers select a plan based on their budget - Monthly cost, length of coverage needed and out of pocket expenses.
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length AM Best Rating

 Plan 1: Med Plus STM Short Term Medical (Underwritten by Starr Indemnity and Liability Company - Rated A Excellent by AM Best)    Best Selling Plan
$2,000,000 / Person $250, $500, $1000, $2,500, $5,000, $7,500, $10,000 After you pay your deductible, the plan pays 80% or 50% of the next $5,000 and then 100% up to $2,000,000 30 Days to 6 or 12 months.  Single payment option available Rated A Excellent for financial strength

Available in ALL States Except: CA, CT, KS, MD, MA, MI, MN, NH, NJ, NY, NC, RI, UT, VT.  Use any doctor or hospital.  Include Inpatient Rx coverage. Single payment discounts available.  Application Fee Charged by Insurance Company $15.  Your Social Security Number is NOT required if you apply.  Includes $50 Doctor & Urgent Care Co-pay (deductible & co-insurance is waved).  Includes coverage for foreign travel. Underwritten by Starr Indemnity and Liability Company.
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Plan 2: HCC Life Short Term Medical (Underwritten by HCC Life Insurance Company - Rated A+ Superior by AM Best)
$2,000,000 / Person $250, $500, $1000, $2,500, $5,000, $7,500 After you pay your deductible, the plan pays 80% or 50% of the next $5,000 and then 100% up to $2,000,000 30 Days to 6 or 11 months.  Single payment option available Rated A+ Superior for financial strength

Available in ALL States Except:   MA, MD, MN, NJ, NY, VT.  Use any doctor or hospital.  Include Inpatient Rx coverage. Available to both U.S. and Non-U.S. citizens residing in the US.  Single payment discounts available.  Application Fee Charged by Insurance Company $0.  Your Social Security Number is NOT required if you apply.  $50 Co-pay when using a Urgent Care facility (deductible is waved). Underwritten by HCC Life Insurance Company.
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Plan 3: Assurant STM (Underwritten by Time Insurance Company - Rated A- Excellent by AM Best)
$2,000,000 / Person $250, $500, $1000, $2,500, $3,500 After you pay your deductible, the plan pays 100% 80% or 50% of the next $10,000 and then 100% up to $2,000,000 30 Days to 6 months.  Single payment option available Rated A-Excellent for financial strength

Available in ALL States Except: CA, CT, DE, HI, MA, NM, NY, NJ, VT.  The Assurant plan allows you to use any doctor / hospital and Includes Rx coverage.  There is also an Accident Medical Expense (AME) option available.  Discounts available if you select the "Single Payment" option. One family deductible is you choose a $500 or greater deductible.  Application Fee Charged by Insurance Company: $25.  Your Social Security Number is NOT required.  The Assurant STM is Underwritten by Time Insurance Company.
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Plan 4: Liberty STM (Underwritten by Standard Security Life Insurance Company of NY - Rated A- Excellent by AM Best)
$2,000,000 / Person $1000, $2,500, $5,000 After you pay your deductible, the plan pays 80% or 50% of the next $10,000 or $20,000 then 100% up to $2,000,000 30 Days to 6 months.  Single payment option available Rated A-Excellent for financial strength

Available in ALL States Except: CT, MA, NY, NJ, VT, WA.  Use any doctor or hospital.  Includes inpatient Rx coverage, Optional Rx Pay Card available, Single payment discounts available.  Optional Enhancement Series discount plan available.  Application Fee Charged by Insurance Company $10.  Your Social Security Number is NOT required if you apply.  The HPA Liberty STM is Underwritten by Standard Security Life Insurance Company of NY.
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Plan 5: Secure Lite STM (Underwritten by Standard Security Life Insurance Company of NY - Rated A- Excellent by AM Best)
$750,000 / Person $500, $1000, $2,500, $5,000 After you pay your deductible, the plan pays 80% or 50% of the next $10,000 and then 100% up to $750,000 30 Days to 6 months.  Single payment option available Rated A-Excellent for financial strength

Available in ALL States Except: CT, MA, NY, NJ, VT, WA.  Use any doctor or hospital.  Includes inpatient Rx coverage, Optional Rx Pay Card available, Single payment discounts available.  Optional Enhancement Series discount plan available.  Application Fee Charged by Insurance Company $20.  Your Social Security Number is NOT required if you apply.  The HPA Secure Lite is Underwritten by Standard Security Life Insurance Company of NY.
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Plan 6: Short Term Medical Plus - Golden Rule / United Health One (Underwritten by Golden Rule Insurance Company - Rated A Excellent by AM Best)
$1,000,000 / Person $250, $500, $1000, $1,500, $2,500, $5,000, $10,000 After you pay your deductible, the plan pays 80% of the next $5,000 and then 100% up to $1,000,000 30 Days to 6 or 12 months.  Single payment option available Rated A Excellent for financial strength

Available in ALL States Except: CA, HI, ID, MA, ME, NH, NY, NJ, OR, RI, SC, UT, VT, WA.  The Golden Rule STM Includes Rx coverage. Persons with high blood pressure are not eligible for this plan.  If you have high blood pressure, consider another short term plan. Single payment discounts available.  Application Fee Charged by Insurance Company $20.  Golden Rule Insurance Company is a United Healthcare Company. Plan coverage vary by state. Child Only Coverage is NOT available.
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 Plan 7: Selected Choice STM (Underwritten by Pan-American Life Insurance Company - Rated A Excellent by AM Best) 

$1,000,000 / Person

Use any Doctor or Hospital

 $500, $1000, $2,500, $5,000, $10,000 After you pay your deductible, the plan pays 80% of the next $5,000 and then 100% up to $1,000,000 30 Days to 6 or 11 months.  Single payment option available Rated A Excellent for financial strength

Available in ALL States Except: CA, MA, MD, ME, MN, NC, ND, NH, NJ, NY, UT, VT, WA.  Single payment discounts available.   Application Fee Charged by Insurance Company $0.  Pays the first $50 for your covered doctor visits, twice per coverage period. Remainder subject to deductible Selected Choice STM is Underwritten by Pan-American Life Insurance Company.
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Plan 8: Secure STM (Underwritten by Standard Security Life Insurance Company of NY - Rated A- Excellent by AM Best)
$2,000,000 / Person $1000, $2,500, $5,000 After you pay your deductible, the plan pays 80% or 50% of the next $10,000 or $20,000 then 100% up to $2,000,000 30 Days to 6 months.  Single payment option available Rated A-Excellent for financial strength

Available in ALL States Except: CT, MA, NY, NJ, VT, WA.  Use any doctor or hospital.  Includes inpatient Rx coverage, Optional Rx Pay Card available, Single payment discounts available.  Optional Enhancement Series discount plan available.  Application Fee Charged by Insurance Company $10.  Your Social Security Number is NOT required if you apply.  The HPA Secure STM is Underwritten by Standard Security Life Insurance Company of NY.
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For More Information, Contact: Long Term Consumer Care, Inc.
Customer Service Toll Free: (800) 544-9505
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We Guarantee that you will not find any of these health insurance plans for less. Click HERE to learn more!