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When a life transition leaves you uninsured, Short term medical plans (Secure STM and Connect STM) offer a temporary solution and provide you with some financial protection for medical costs associated with unexpected injuries and illnesses. Short term medical is a good option if you are between jobs or in employer waiting periods, missed the open enrollment, or without a ACA compliant plan.

Benefits vary per the plan (Secure STM or Connect STM) you opt for but typically include expenses for hospital room and board, emergency room treatment, surgery, ambulance, doctor office visits and more. You can apply for the policy online and typically the policy can be active within 24 hours of applying. These plans are not ACA compliant. Both plans do not offer protection for preexisting conditions.

Short Term Insurance Plans

Secure STM Short-term medical insurance for individuals and families

Short Term Insurance

Secure STM is available to all members of Communicating for America, Inc. (CA) from age 18 to 64, their spouse age 18 to 64 and dependent children up to age 26. Each applicant must qualify based on the plan’s application questions and underwriting guidelines. Child-only coverage is available for children ages 2 to 17. The CA membership requirement varies by state. Secure STM can up to 90 days.

A copay of $50 applies to the first covered office visit during the policy period. 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 are subject to plan deductible and coinsurance. You can select from a range of Deductible choices from $1000 to $5000. After the deductible has been met, Secure STM plan pays the selected percentage (20%, 30% or 50% )of covered charges.

Secure STM is underwritten by Standard Security Life Insurance Company of New York, a member of The IHC Group.



Connect STM Short-term medical insurance plan that helps protect during coverage gaps

From the IHC group

Connect STM is available to the primary applicant from age 18 to 64, his or her spouse age 18 to 64 and dependent children under the age of 26. A child-only plan is available for children age 2 up to age 18.
Coverage is available in the most states for 30 to 90 days.

A copay of $50 applies to the first covered office visit during the policy period. 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 are subject to plan deductible and coinsurance. You can select from a range of Deductible choices from $1000 to $10,000. After the deductible has been met, Secure STM plan pays the selected percentage (20%, 30%, 50% ) of covered charges.

Connect STM is underwritten by Independence American Insurance Company, (IAIC), a member of the IHC Group.