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 policy 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 plans by the IHC Group, 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: CA, CO, CT, DC, HI, MA, NH, NJ, NM, NY, ND, RI, SC, VA, VT, 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
  • Reapply if you need a longer period of coverage

  • 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 right after you apply

When applying online, you will be able to print your policy and ID cards or save everything to your computer. Simply set up your account online using the directions provided after completing your health application.

Connect STM Plan Details

Connect STM Short Term Coverage Details

The IHC Group (Independence Holding Company) provides affordable short term health 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 IHC 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 - Coverage Information

After you satisfy your deductible, Connect STM will begin paying eligible expenses according to the coinsurance you select and up to the coverage period maximum of $2,000,000.

Coverage Details

Covered expenses

All benefits, except physician office visits applied to the copay, are subject to the selected plan deductible maximum 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 as 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.

 

  • 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 (only if semi-private is not offered)
  • Inpatient intensive care or specialized care unit for three times the amount billed for a semiprivate room or three times 90 percent the private room billed amount
  • Prescription drugs administered while hospital confined for a covered illness or injury Covered expenses include treatment, services and supplies for:
  • Inpatient physician visits
  • X-ray exams, laboratory tests and analysis
  • Emergency room, outpatient hospital surgery or ambulatory surgical center
  • Surgeon services in the hospital or ambulatory surgical center
  • 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
  • Ground ambulance services not to exceed $500 per occurrence
  • Air ambulance services not to exceed $1,000 per occurrence
  • 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, if not replaced
  • Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and chemotherapy services and equipment rental

These services are not subject to the deductible

Mammography, pap smear and prostate antigen test (covered at specific age intervals and when recommended by a physician)

 

Eligibility

Connect STM is available to the primary applicant from age 18 through age 64, his or her spouse or domestic partner age 18 through age 64 and dependent children under the age of 26. A child-only plan is available for children age 2 up to age 18.

 

Payment options to suit your situation

These plans offer a single or monthly premium payment using credit card or automatic bank withdrawal.

 

10-day right to return period

If for any reason you are not satisfied with the policy, you may return it to us within 10-days after you receive it and you will be issued a refund. The refund will include any premium paid minus the enrollment and administrative fees. These fees may vary by state. Your coverage issued under the policy will then be void, as though coverage had not been issued.

 

Eligibility

Connect STM is available to the primary applicant from age 18 through age 64, his or her spouse or domestic partner age 18 through age 64 and dependent children under the age of 26. A childonly plan is available for children age 2 up to age 18.

 

Payment options to suit your situation

These plans offer a single or monthly premium payment using credit card or automatic bank withdrawal. 10-day right to return period If for any reason you are not satisfied with the policy, you may return it to us within 10-days after you receive it and you will be issued a refund. The refund will include any premium paid minuns the enrollment and administrative fees. These fees may vary by state. Your coverage issued under the policy will then be void, as though coverage had not been issued.

 

*Benefits are covered subject to coinsurance and any specific limits including outpatient or doctor’s office miscellaneous limits. *Benefits vary by state. Refer to your policy

About Independence American Insurance Company


Independence American Insurance Company is domiciled in Delaware and 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).

About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company) and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.


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

Low Price Guarantee

 

Secure Lite STM

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 Secure STM Short term Medical coverage is available for as little as 30 to 90 days and you can reapply if you need a longer period of coverage.

 

Need additional coverage? Simply reapply before your current policy terminates and a new policy can be issued.

Your Secure 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.

Application Fee

The application fee charged by the insurance company is $25. We don't add any additional fees to any of the plans we offer.

Free Discount Plans

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

About Us

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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