Short Term Health Insurance

Instant Approval with Next day coverage available

Guaranteed Lowest Rates with No additional fees

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Get Quotes & Apply
The only info required for a quote is your zip code and birth date
Quotes and Application run directly through the insurance companies we represent
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Effective 04/01/2017 - All Short Term Medical plans in the market place have a maximum duration of 90 days. If you need additional coverage, you can reapply.
Call 1-800-544-9505 with Questions

Short Term Health Insurance

Short Term Plans provide temporary health insurance coverage if you become ill, have a accident or injury. Insurance coverage is available for up to three months. You can also select the exact number of days of coverage for most plans. If you need additional coverage, simply reapply.


Guaranteed Issue Short Term Medical Plan

If you don't qualify for a standard short term plan, National General offers a Guaranteed Issue plan in all states EXCEPT: AK, CA, CO, CT, DE, MA, MD, ME, MN, NH, NJ, NM, NY, OR, RI, VT, WA. Click Here for more information.

Care Access Fixed Indemnity Plans

This is a type of plan that pays fixed-benefit amounts to protect against covered medical expenses resulting from hospitalization, surgery, chemotherapy and radiation services. You can keep a Fixed Indemnity plan as long as needed. Optional benefits include preventive wellness, diagnostic testing and physician office visits.

Click Here for more Information and a quote.


At we care about our customers and we understand how difficult it can be when choosing the right coverage. The healthcare environment has vastly changed in the twenty plus years we Low Price Guaranteehave been online. Give us a call to discuss your short term health insurance needs. If we don't have what you need, we can usually point you in the right direction.


Our Service is of no cost to you and our top rated customer service is included at no charge. We don't add any additional fees to the plans we offer either. We do this because we want ConsumerBenefits to be your first and last stop when you are shopping for quality health and dental insurance at the best possible price.


Every Plan includes a FREE Rx, Lab and Imaging Plan when you apply for your short term health insurance through This plan is designed to save you money on your out of pocket expenses. We make these plan available to all of our customers. The savings plans are not part of the insurance policy or associated with any of the insurance companies we represent. Get More Information


Short Term 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
  • Less than a year from Medicare eligibility
  • Needing to prove they have health coverage
You can choose to receive your policy online or by mail.

Licensed in 46 states, we offer Short Term Medical insurance plans by UnitedHealthcare, Golden Rule, HCC Life Insurance Company, The IHC Group, Standard Security Life Insurance Company, National General and NHIC. Health plan options vary by state.

All of the short term plans we offer (except UnitedHealthcare) have instant online approval. At the end of the process, you can print your policy and ID cards or save them to your computer. The HCC STM plan also give you the option to have everything mailed to you.

The short term medical plans by UnitedHealthcare are reviewed prior to being issued. The effective date chosen is honored.

Offering short term health insurance by: HCC Life, The IHC Group, UnitedHealthOne and National General. Dental Insurance by: Spirit Dental - Security Life Insurance Company of America, IHC Health Solutions and UnitedHealthcare. Discount Dental Plans by: Careington, Dental Access utilizing the Aetna Dental Access® Network and Dentemax. International Medical and Travel Insurance by: Seven Corners, IMG - International Medical Group and HCC Atlas

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LTCC, Inc.

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.

Short term health coverage is available for a up to 90 days. If you need additional coverage, simply reapply.

Your short term coverage can begin as early as the next day. You can also select a later effective date

Accident Medical Plans
Care Access Plan

Recent U.S. immigrants

Individuals who have recently become U.S. citizens may have a waiting period before being able to receive Medicare or other government-sponsored health plans. Short Term Medical can be an excellent option for U.S. coverage in your state of residence.

Application Fee

Some plans include application fees. These fees are charged by the insurance company. We do NOT add any additional fees.


All quotes and applications run directly through the insurance companies we represent. This gives you the guaranteed lowest price.

No Out-of-Network Penalties

All of the short term plans except the Secure Net plan and the United Health Care plans allow you to use any provider. There are also PPO network options available with each plan which will allow you to save on out of pocket expenses.

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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Get in Touch

  • Phone:
    (800) 544-9505
  • Fax:
    (262) 436-1720
  • Email:
  • Address:
    W162 N8241 Tamarack CT
    Suite 102
    Menomonee Falls, WI 53051