Connect STM

Short Term Health Insurance

Connect STM - Short Term Medical plan includes $2,000,000 in coverage per person with the choice of deductibles. Next Day Coverage is available. Quote, Apply and Print your documents in less than 10 minutes. Underwritten by Independence American Insurance Company.

Rated A- Excellent by AM Best
Note: Plan availability varies by state. When running a quote, the Connect short-term medical plans that are available in your state will be shown and all of the plans have different features and benefits. Plan specific brochures are available when running a quote. NOT Available In: AK, CA, CO, CT, DC, DE, HI, ID, ME, MA, NH, NJ, NM, NY, ND, OR, RI, VT, UT,WA
Connect STM - Short Term Medical plan is available in most states. The short term coverage includes a $2,000,000 policy period maximum per person. The deductible options range from $2,500 to $10,000. Other options are available such as a Prescription copay plan, Dental insurance and a Accident Medical / Critical illness plan.
Simply Enter your Zip Code and Birth Date for a instant Quote
Connect STM - Quote or Apply
Note: When running a quote, you will see many different short term medical plan options. Plan offerings vary by state. Use the menu on the quote screen to sort by cost, deductible and more..
Call 1-800-544-9505 with Questions

$50 Physician Office Visit Copay

After the copay, the balance of the doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance. Once the visit limit is exceeded, additional covered office visits are subject to plan deductible and coinsurance.

 

$50 copay per visit, subject to limits below

• 30-90 day coverage period: not to exceed one visit

• 91-180 day coverage period: not to exceed two visits

• 180-364 day coverage period: not to exceed three visits

Connect STM Options

For an additional premium, you can include Dental Insurance, Accident Medical Expense (Metal Gap) and a Rx Copay plan.

Connect STM Features

 

  • Pays up to $2,000,000 Policy Period Maximum per Covered Person

  • Choice of Coverage Periods - 30 to 364 days depending on your state
  • Cancel at any time - Monthly plans can be canceled at any time
  • Choice of Deductibles - $2,500, $5,000 or $10,000

  • Coinsurance options - The Insurance company pays 80%,70% or 50% after your deductible is satisfied

  • Child Only Coverage is available - the minimum age is two years old

  • $50 Office Visits Copay- The $50 Copay applies to the physician’s consultation charge. After you pay $50, the plan pays 100 percent of the consultation charge balance with no deductible.

  • Free Look Period ensures your satisfaction with a 10-day money back guarantee

Connect STM Coverage is ideal for those who are
  • Between jobs or laid off - Waiting for employer benefits
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
Print your policy and ID cards after you apply

After applying online, you will access to your plan documents and ID cards. You will receive information on how to setup and access your online account. You will also receive your ID cards by mail.

Connect STM Plan Details

Connect STM Short Term Coverage Details

Independence American Insurance Company provides affordable Connect short-term medical insurance to protect you and your family. You should consider purchasing Connect STM if you are looking for a low cost plan to protect yourself and family from the potentially high medical costs associated with an unexpected accident, injury or illness.

With Connect STM you will have many plan options to choose from. You can choose your deductible, coinsurance out of pocket limits, maximum coverage amount, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice without incurring out-of-network penalties. Using a network provider will lower your out of pocket costs and make the claims process much easier.

Connect STM Coverage is ideal for those who are

 

  • Between jobs or laid off - Waiting for employer benefits
  • Retired individuals (under 65) waiting for Medicare
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
Connect STM Covered Expenses

Covered expenses

All benefits, except physician office visits applied to the copay, are subject to the selected plan deductible and coinsurance percentage unless otherwise noted below. Covered expenses are limited by the usual, reasonable and customary charge as well as any benefit-specific maximum listed in the schedule of benefits. If a benefit-specific maximum does not apply to the covered expense, benefits are limited by the coverage-period maximum. Benefits may vary based on your state of residence.

Connect Short-Term Medical Covered Expenses
Covered expenses include treatment, services and supplies for: Connect STM
Emergency room, up to the amount shown per day No daily limit
Ground ambulance, up to the amount shown per occurrence $500
Air ambulance, up to the amount shown per occurrence $1,000
Outpatient hospital surgery or ambulatory surgical center, up to the amount shown per day No daily limit
Surgeon services in the hospital or ambulatory surgical center, up to the amount shown per surgery No surgery limit
Outpatient miscellaneous medical expense1 services, up to the amount shown per coverage period* No miscellaneous services limit
Inpatient hospital room and board and general nursing care for the amount billed for a semi-private room or 90 percent of the private room billed amount; not to exceed the amount shown per day No daily limit
Inpatient intensive care or specialized care unit for three times the amount billed for a semi-private room or three times 90 percent the private room billed amount; not to exceed the amount shown per day No daily limit
Inpatient physician visits; not to exceed the amount shown per day No daily limit

 

  • Prescription drugs administered while hospital confined
  • X-ray exams, laboratory tests and analysis
  • Anesthesiologist services, not to exceed 20 percent of the primary surgeon’s covered charges
  • Assistant surgeon services, not to exceed 20 percent of the primary surgeon’s covered charges
  • Surgeon’s assistant services, not to exceed 15 percent of the primary surgeon’s covered charges
  • Organ, tissue or bone marrow transplants, not to exceed $150,000 per coverage period*
  • Acquired Immune Deficiency Syndrome (AIDS), not to exceed $10,000 per coverage period*
  • Blood or blood plasma and their administration
  • Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and chemotherapy services and equipment rental
  • Mammography, pap smear and prostate specific antigen test, covered at specific age intervals and when recommended by a physician, NOT subject to the plan deductible

*If the Connect STM Extend or Connect Value Extend plans are selected, coverage-period maximums reset after the initial 364 days and each 12 month coverage period after.

1 Refer to the policy for complete details

 

Pre-Existing Condition Limitation – The short-term limited duration medical expense product does not provide portability of prior coverage. Any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years* immediately preceding the covered persons’ effective date of coverage; or symptoms within the five years* immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment will not be a covered benefit. *6 months in ID, KY, MI, ND, NH, NM, OH, WA, WY; 12 months in CO, IN, LA, MD, ME, MS, NC, NV, SD, VA; 24 months in CT, FL, IL, UT; or 36 months in MT.

 

Connect STM and Connect Value: A pre-existing condition will not be a covered benefit. Connect Plus: A benefit of up to $25,000 is available for eligible medical expenses for pre-existing conditions, per person, per policy.

 

This product is not considered to be Minimal Essential Coverage as defined by the Patient Protection and Affordable Care Act (ACA).

Call 1-800-544-9505 with Questions

About Independence American Insurance Company:

Independence American Insurance Company is domiciled in Delaware and is licensed to write property and/or casualty insurance in all 50 states and the District of Columbia. Its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

 

This Site provides a brief description of the benefits, exclusions and other provisions of the policy (may vary by state). For complete listing, see the policy/Certificate of Insurance. Benefits may vary by state.

 

Long Term Consumer Care, Inc. is a insurance agency / producer licensed in most states and is not an employee of IHC.

Low Price Guarantee

 

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Note: To search for a network provider, click on the "Find a Doctor" link when getting a quote.

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FAQ

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.

The Connect STM Short term Medical Coverage can be selected for 30 to 364 days depending on the state. If coverage is needed longer than 364 days, up to 24 months may be added to the initial coverage duration through the Connect STM Extend or Connect Value Extend plans, available in select states. Extended durations must be chosen at time of application. Connect Plus does not offer a coverage period extension. The maximum allowable duration varies by state.

Your Connect STM short term coverage can begin as early as the next day. You can also select a later effective date (up to 60 days in the future)

Metal Gap 2

Medicare Gap

Did you know that about 10,000 people turn 65 each day?

Many of our customers are turning 65 in the next year. Many choose a short term medical plan to cover them until they turn 65.

Free Discount Plans

Get Free Rx, Lab & Imaging Plans when you apply through this site. More Info

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Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental, travel insurance quotes and dental discount plans, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

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