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.