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

 

Short Term Health Insurance - Instant Approval & Guaranteed Lowest Rates

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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 the plan and your state.  All of the  plans (except for Golden Rule) 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
All Quotes & Applications run directly through the insurance companies.  You will not find the same plans for less - Guaranteed.      Click HERE to View 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

Lowest Average Price: The rates for all short term health insurance plans vary by zip code and age.  On this page, the plans are sorted by cost starting with the plan that typically has the lowest cost.  The Secure Lite is typically the lowest priced plan because the benefits are limited.  We recommend spending a little more for a plan with better coverage and less out of pocket expenses.  We recommend: Med Plus STM or HCC Life STM.
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length AM Best Rating

 Plan 1: Secure Lite STM (Underwritten by Standard Security Life Insurance Company of NY - Rated A- Excellent by AM Best) - Low Cost - Limited Benefits
$750,000 / Person

Use any Doctor or Hospital

 $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

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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.   Available to both U.S. and Non-U.S. citizens residing in the US. 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 2: HCC Life Short Term Medical (Underwritten by HCC Life Insurance Company - Rated A+ Superior by AM Best) - Low Cost - Best Coverage
HCC Life Short Term Health Insurance $2,000,000 / Person

Use any Doctor or Hospital

 $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

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Available in ALL States Except:   MD, MA, 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 Urgent Care Copay (deductible Waived when using a Urgent Care Facility). Underwritten by HCC Life Insurance Company. 
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 Plan 3: Med Plus STM Short Term Medical (Underwritten by Starr Indemnity and Liability Company - Rated A Excellent by AM Best)  Popular Plan
$2,000,000 / Person

Use any Doctor or Hospital

 $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

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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 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 waived).  Includes coverage for foreign travel. Underwritten by Starr Indemnity and Liability Co.
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 Plan 4: 1st Med STM Short Term Medical (Underwritten by Companion Life Insurance Company - Rated A Excellent by AM Best)  Popular Plan
$2,000,000 / Person

Use any Doctor or Hospital

 $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: AR, CA, CT, GA, HI, ME, MD, MA, MO, MT, NV, NJ, NY, NC, ND, OR, SC, UT, VT, WA.  Use any doctor or hospital.  Include 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 waived). Underwritten by Companion Life Insurance Company
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 Plan 5: Secure Saver - Daily Deductible (Underwritten by Standard Security Life Insurance Company of NY -  Rated A- Excellent by AM Best)
$2,000,000 / Person

Use any Doctor or Hospital

 $250, $500, $ 750, $1000 After you pay your daily deductible, the plan pays 100% of the expenses for that day. Once your combined deductible reaches $4,000 the plan pays 100% up to $2,000,000 30 Days to 6 months.  Single payment option available Rated A-Excellent for financial strength

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Available in ALL States Except: CA, CT, MA, NH, NJ, NY, ND, VT, WA.  Use any doctor or hospital.  Includes inpatient Rx coverage, Optional Rx Pay Card available, Single payment discounts available.  Application Fee Charged by Insurance Company $10.  Available to both U.S. and Non-U.S. citizens residing in the US.  Your Social Security Number is NOT required if you apply. The HPA Secure Saver is Underwritten by Standard Security Life Insurance Company of NY.
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 Plan 6: Assurant Health (Underwritten by Time Insurance Company - Rated A- Excellent by AM Best)
$2,000,000 / Person

Use any Doctor or Hospital

 $1,000, $2,500, $3,500, $5,000 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

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Available in ALL States Except: CA, CT, DE, HI, MA, NM, NY, NJ, VT, WV.  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.  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 7: Selected Choice STM (Underwritten by Pan-American Life Insurance Company - Rated A Excellent by AM Best) - Low Cost - Best Coverage
Selected Choice STM $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

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Available in ALL States Except: CA, MD, MA, 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

Use any Doctor or Hospital

 $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

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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.  Available to both U.S. and Non-U.S. citizens residing in the US.  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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 Plan 9: Liberty STM (Underwritten by Standard Security Life Insurance Company of NY -  Rated A- Excellent by AM Best)
$2,000,000 / Person

Use any Doctor or Hospital

 $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

View Brochure

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.  Available to both U.S. and Non-U.S. citizens residing in the US.  Your Social Security Number is NOT required if you apply. The HPA Liberty STM is Underwritten by Standard Security Life Insurance Company of NY.
Click to Get a Quote

 
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!