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"We
only offer plans underwritten by insurance companies
with an AM Best Financial Rating of A-Excellent or
Better" |
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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 |
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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. Plans with
lower rates may have limits on coverage, plan
restrictions and higher out of pocket costs. |
|
| 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) - Popular
Plan |
 |
$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 or 12 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 $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. |
| Click
to Get a Quote |
|
Plan
2: HCC Life
Short Term Medical (Underwritten by HCC Life Insurance
Company - Rated A+ Superior by AM Best) - Best
Selling Plan - Best Coverage |
 |
$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 12 months. Single payment option
available |
Rated
A+ Superior for financial strength
View
Brochure
|
|
Available in
ALL States Except: MA, MD, MN, MT, 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 Waved when using a Urgent Care Facility).
Underwritten by HCC Life Insurance Company. |
| Click
to Get a Quote |
|
Plan
3:
Med Plus STM Short Term Medical (Underwritten by
Starr Indemnity and Liability Company - Rated A Excellent by AM Best) |
 |
$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
the following States: AL, AK, AZ, CO, DE, FL, GA,
HI, IL, IN, IA, LA, ME, MI, MS, MO, NE, NV, NM, OH, OK, PA, SC, SD, TN, VA, WV, WI
and WY Use any doctor or hospital. Include
Rx coverage. Single payment
discounts available. Application Fee Charged by
Insurance Company $10. 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 Co. |
| Click
to Get a Quote |
|
Plan
4: 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
Use any Doctor, Hospital or Network Providers
|
$250,
$500, $1000, $1,500, $2,500, $5,000, $10,000 |
After
you pay your deductible, the plan pays 80% of the next
$10,000 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, LA, 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. |
| Click
to Get a Quote |
|
Plan
5: Assurant Health (Underwritten by Time Insurance
Company - Rated A- Excellent by AM Best) |
 |
$2,000,000
/ Person
Use any Doctor or
Hospital
|
$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 or 12 months. Single payment option
available |
Rated
A-Excellent for financial strength
View
Brochure
|
|
Available in
ALL States Except: CT, 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. |
| Click
to Get a Quote |
|
Plan
6:
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 or 12 months. Single payment option
available |
Rated
A-Excellent for financial strength
View
Brochure
|
|
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. |
| Click
to Get a Quote |
|
Plan
7: 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
|
$250,
$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 $2,000,000 |
30
Days to 6 or 12 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 |
|
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
|
$250,
$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 $2,000,000 |
30
Days to 6 or 12 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 Secure STM is Underwritten by Standard Security Life Insurance
Company of NY. |
| Click
to Get a Quote |
|
Plan
9: Secure 12x3 (Underwritten by Standard Security Life
Insurance Company of NY - Rated A- Excellent by AM
Best) |
 |
$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 12 Months - Renewable to 36 Months |
Rated
A-Excellent for financial strength
View
Brochure
|
|
Available in
ALL States Except: CA, CT, DE, ID, KY, KS, LA, MA, ME, MI,
MS, NC, ND, NV, NH, NY, NJ, RI, SD, TX, VT, WA, WY. Use any
doctor or hospital. Includes inpatient Rx coverage,
Also includes Rx Pay Card. 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
12x3 is Underwritten by Standard Security Life Insurance
Company of NY. |
| Click
to Get a Quote |
|
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For More Information, Contact: Long
Term Consumer Care, Inc.
Customer Service Toll Free: (800) 544-9505
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| Copyright©
1999 † 2009 Long Term Consumer Care, Inc.
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