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Short Term
Health Insurance - Specialists Since 1973 |
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Short
Term Health Insurance
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Instant Approval & Guaranteed Lowest Rates
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Get
a Free
Rx,
Lab & Imaging
Savings
Plan When
You Apply Through This Site
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Info |
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Compare
Plans |
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Instant Online Quotes |
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Apply
Online, By Mail, Fax or Phone |
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Short term health insurance coverage
protects you in the event of an unexpected illness, accident or injury.
Coverage is available for 30 days to 6 or 12 months depending on your state.
Most plans allow you to use any doctor or hospital.
All quotes and applications are processed directly through
the insurance company's. All plans are Rated
A-Excellent or better by AM Best |
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View
& Print Brochures & The Short Term Health Plan Comparison Worksheet
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Questions or
to Apply over the Phone - Call Toll Free: 1-800-544-9505 |
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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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Sort
Plans By: |
>
Lowest Average Price |
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Lowest
Out of Pocket |
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Best Coverage |
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Best Selling Plan |
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Lowest
Out of Pocket: Short term health insurance
is meant to cover you in the event of an
accident, illness or injury. Consider how
much you can afford if you end up with a large
medical bill. The plans are ranked by the
amount you would need to pay such as your
deductible and your share of the co-insurance. |
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| Plan
Name |
Policy
Medical Limits |
Deductible
Options |
Co-Insurance
Options |
Coverage
Length |
AM
Best Rating |
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Plan
1: HCC Life Short Term Medical (Underwritten by
HCC Life Insurance Company - Rated A+ Superior by AM Best)
LOWEST OUT OF POCKET |
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$2,000,000
/ Person |
$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 |
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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 Co-pay when using a Urgent Care facility (deductible is
waved). Underwritten by HCC Life Insurance Company. |
| Click
to Get a Quote |
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Plan
2:
Med Plus STM Short Term Medical (Underwritten by
Starr Indemnity and Liability Company - Rated A Excellent by AM Best) |
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$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 |
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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 Inpatient 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 Company. |
| Click
to Get a Quote |
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Plan
3: Liberty STM (Underwritten by Standard
Security Life Insurance Company of NY - Rated A- Excellent
by AM Best) |
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$2,000,000
/ Person |
$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 |
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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. 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 |
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Plan
4: Secure STM (Underwritten by Standard
Security Life Insurance Company of NY - Rated A- Excellent
by AM Best) |
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$2,000,000
/ Person |
$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 |
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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. 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 |
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Plan
5: Short Term Medical Plus - Golden Rule / United Health One (Underwritten
by Golden Rule Insurance Company - Rated A Excellent by AM
Best) |
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$1,000,000
/ Person |
$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 |
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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 |
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Plan
6: Assurant STM (Underwritten by Time
Insurance Company - Rated A- Excellent by AM Best) |
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$2,000,000
/ Person |
$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 |
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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 |
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Plan
7: Secure Lite STM (Underwritten by Standard
Security Life Insurance Company of NY - Rated A- Excellent
by AM Best) |
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$750,000
/ Person |
$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 |
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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. 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 |
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Plan
8: Secure 12x3 (Underwritten by Standard
Security Life Insurance Company of NY - Rated A- Excellent
by AM Best) |
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$750,000
/ Person |
$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 |
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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. 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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1999 † 2008 Long Term Consumer Care, Inc.
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