Need help? Talk to a live person!
(800) 647-4589 or 01 (480) 821-9052

Short-Term Medical Insurance Plans

Short-term medical plans play a critical role in our post ACA major medical world. Short -term medical plans are vital to “fill a time gap” before your client can be covered by an ACA plan. Plus many may choose to opt out of an ACA plan simply because they can’t afford the high premiums, high  deductibles, and the big out-of-pocket financial exposure at claim time. After all what good is major medical plan if a person can’t afford it?

Another market for short-term are those legal residents who don’t have a social security number yet but need an affordable medical plan. Some of our short-term plans  don’t even ask for a social security number so these plans are a perfect answer to  these types of clients.

Allied Short Term Medical PLUS


Health insurance coverage for non-work related sickness and injury for up to six months. No "decline" question on the application! No provider restrictions, and includes a discount card for prescription drugs, dental, vision and hearing coverage. Not available in all states. Your market: US citizens and legal residents under 65 as well as dependents under age 19 who do not have medical insurance currently in force.

Effective 2/1/14 the Allied short-term plan is now available up to 6 month or a new 364 day option. This new 364 day option is available in ALL approved states EXCEPT AK, CO, IN, NV, OH and WY.

Allied Short Term Medical PLUS Details and Materials*

Eligibility
US citizens and US legal residents (with at least two years of US residency), under age 65, under age 19 for a dependent child, without any other medical insurance coverage in force and who are able to answer “no” to a series of medical questions in the application are eligible under Allied Short Term Medical PLUS.

Highlights and Benefits

  • Up to 364 days in most states
  • EZ Underwriting – No “have you been declined?” question on the application
  • Up to $250,000.00 policy maximum to keep premiums low
  • Choice of 7 deductibles including a $10,000 deductible (available when you apply online)
  • 80/20 co-insurance
  • $2,000 out-of-pocket maximum
  • This policy can be written as “child alone” for dependent children
  • $500 accident protection option
  • Discount drug card with no deductible
  • HUGE 25% discount on all single pay modes

State and Country Restrictions
The Allied Short Term Medical PLUS is available in the following US states: Arkansas, Colorado, District of Columbia, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin, and Wyoming. The plan can only be used inside the US (excluding all US territories). Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter
Allied Short Term Medical PLUS is underwritten by American Alternative Insurance Corporation, which is rated A+ (Superior) by A.M. Best Company.

Download Materials

Appointed? You must be appointed with Allied National, Inc. to sell this product. If you’re not yet appointed, please contact a Broker Advisor.


*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

EZ Short-Term Plan

Since 1990 we’ve been marketing short-term medical insurance but during all this time, we’ve never had one that is both so EZ and so UNIQUE. NO health questions, NO co-insurance, NO extra association or policy fees, and NO zip code ratings. Eligible for US citizens and legal residents ages 0-64 needing temporary health coverage or anyone without adequate health insurance.

Eligibility*

US citizens and legal residents ages 0-64 needing temporary health coverage or anyone without adequate health insurance.

Pre-existing carryover from 90 day term to 90 day term up 270 days (3 EZ on-line enrollments = 9 months coverage)!

Highlights and Benefits*

  • NO Health Questions
  • NO Zip Code Rating
  • NO Extra Association or Policy Fees
  • NO Co-Insurance
  • EZ Application
  • Monthly CC Mode
  • Children Alone Available
  • GREAT RX Coverage
  • GREAT Optional Sports Coverage
  • Underwritten by the World’s Oldest and Largest Health Market, Rated A (Excellent)

State and Country Restrictions*

This plan is available in: AZ, CA, CT, GA, IL, MN, & TX (more to follow).

Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Underwritten by the Worlds Oldest and Largest Health Market, Rated A (Excellent) Lloyd’s Coverholder
Valencia, California

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.52.

Download Materials

Appointed? You must be appointed with Petersen to sell this product. If you’re not yet appointed, please contact a Broker Advisor.


*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

HCC Life STM and STM Complete

Like many other short-term plans our HCC plans do not ask, "Have you ever been declined?" It is an easy underwriting process with limited health questions. Only a $50 urgent care co-pay and month by month payment options up to 6 to 11 months depending on the state. There is only a $5,000 stop-loss and no social security number is required. HCC Life is A+ Superior rated.

HCC Life STM and STM Complete Details and Materials*

Eligibility
US citizens and US legal residents between 2 and 64 years old are eligible under HCC Life Short Term Medical and STM Complete. You must also be able to answer “no” to a few simple qualifying health questions to be eligible for this plan. People who are pregnant, in the process of adoption, covered by other insurance, or members of the armed forces are not eligible for this plan.

Special Note: State Availability
While both the HCC Life STM and the STM Complete offer nearly identical benefits, your client’s state of residence determines which plan is available. Furthermore, commissions can only be paid if your client resides in a state where the writing agent has a valid insurance license. See State and Country Restrictions below.

Highlights and Benefits

  • No “have you been declined?” question for the STM Complete (the HCC Life STM does ask the question, but a “yes” answer does not necessarily disqualify your client from being covered)
  • Up to $2,000,000 policy maximum
  • In and out of hospital benefits
  • This policy can be written for children only (must be at least 2 years old)
  • Choice of 6 deductibles
  • $50 co-pay at any urgent care center and deductible waived
  • Options for 80/20 or 50/50 co-insurance
  • $5,000 co-insurance maximum
  • Discount drug card
  • Coverage is up to 6 months in most states, but may be longer in other states
  • Your client may be able to reapply for a second policy, depending on the state in which they reside

State and Country Restrictions
Your client’s state of residence determines which plan is available:

  • HCC Life Short Term Medical is available in: California, Colorado, Connecticut, Hawaii, Iowa, Idaho, Maryland, Maine, North Dakota, New Hampshire, New Mexico, Ohio, Oregon, Pennsylvania, Virginia and Washington.
  • STM Complete is available in: Alaska, Arizona, Arkansas, Alabama, Delaware, the District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, North Carolina, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Wisconsin, West Virginia and Wyoming.
  • Neither plan is available in: Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Utah, or Vermont

The plan can only be used inside the US (excluding all US territories). Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter
HCC Life Short Term Medical and STM Complete are underwritten by HCC Life Insurance Company, which is rated A+ (Superior) by A.M. Best Company.

Download Materials

 

 

For a quick, EZ low cost quote, please contact us.

Appointed? You must be appointed with HCC to sell these products. If you’re not yet appointed, please contact a Broker Advisor.


*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

Need another short-term medical plan?

Depending on your state, we have other short-term medical plans available. Just call (800) 647-4589 or 01 (480) 821-9052 and ask for your Broker Advisor, Alyssa Wright, or email her and she’ll be in touch soon.