What is Short Term Health Insurance?

A temporary health insurance plan for those in-between times Short-term health insurance (STM), also referred to as temporary health insurance, is a type of medical coverage that is available for shorter duration of time, such as up to three months. Temporary insurance plans have more restricted coverage than major medical but also can have a lower premium.e than major medical but also can have a lower premium

What Does Short-Term Health Insurance Cover? Covered expenses for temporary health insurance plans generally include the high-dollar, unexpected care and treatment you may require as a result of an illness or injury – from a serious medical event like a heart attack or stroke to a broken leg or doctor’s office visit due to illness.
Remember, these plans can be customized. Read  below what briefly describes the benefits that show what is and what isn't covered with short-term medical policies.
Individual insurance plans vary, so you’ll want to read the plan details closely to validate the coverage and benefits you’ve selected and what exclusions apply.

What STM May Cover

• Hospital room and board
• ​Emergency room – anesthesiology and surgical care
• Diagnostic services – X-rays, laboratory tests and analysis
• Ambulance and surgical service
• Doctor visits

What STM May Not Cover

• Sport-related injuries
• ​Injuries or illness related to participating in extreme or dangerous activities
• Treatment of pre-existing conditions Any medical expenses incurred prior to the effective date or after the expiration date of your policy
• Tobacco, drug, and alcohol-related treatment expenses

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