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Short Term Medical Care

Note: Some plans may not be available in every state.

Short Term Medical Plans are ideal for those who are between jobs, waiting for coverage after starting a new job, part-time or temporary employees, college students or those who are unable to qualify for or afford individual health coverage or COBRA.

Flexibility and choice. Our short-term medical (STM) plans give individuals and families peace of mind knowing they will have the coverage they need in case of any catastrophic events; while maintaining flexible coverage options and deductible choices. Plus, our online issuance means coverage could start as soon as the next day!

The IHC Group
  • Coverage options from 30 days up to 3 months
  • Up to $2 Million maximum per coverage period
  • Choice of deductibles
  • $50 office visit copay
  • Choice of coinsurance – 100%, 80%, 70% or 50%
  • Eligibility age 2 up to age 64
  • Interscholastic / intercollegiate sports injuries are excluded
  • Unlimited reapplies in most states
  • Pay monthly or single payment discount
  • Insured by Standard Security Life Insurance Company of New York

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United Health One
  • Coverage options from 1 to 3 months with unlimited rewrites (most states)
  • Up to $2 Million lifetime maximum per covered person
  • Choice of deductibles
  • Choice of coinsurance – 100%, 80%, 70%
  • Rx coverage included on most plans
  • United Healthcare nationwide network provides savings
  • Supplemental Accident Benefit Option available on most plans
  • Eligibility age 19 and older (children may be included as dependents)
  • Insured by Golden Rule Insurance Company, a United Healthcare Company

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With Allied National's Pivot Health plan, you enjoy all the features of a long-term plan, including:

  • Coverage options from 30 days up to nearly 12 months (where permitted)
  • Choice of deductibles
  • Lifetime Maximum options from $100,000 to $1 Million
  • Choice of coinsurance – 80% or 70%
  • Freedom to choose any doctor - No Networks
  • A 10 day free look, money back guarantee
  • FREE Discount Card for Vision, Rx Drugs, Dental and Hearing
  • Eligibility 6 months up to age 64
  • Includes coverage for interscholastic/ intercollegiate sports injuries.
  • Coverage may be purchased up to 4 consecutive coverage periods (where permitted)
  • Insured by Companion Life Insurance Company


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Limited Medical Benefits that are affordable and guaranteed issue:

  • No medical exams or health questions
  • Choice of three plan options
  • Coverage for everyday health care and hospitalization
  • Plan pays stated benefit amounts, such as $75 for doctor office visit
  • Access to provider network discounts
  • Insured by Companion Life Insurance Company

May be the right choice for people who:

  • Have been denied coverage due to health or occupation
  • Need a plan with lower monthly premiums that offers day-to-day health care benefits and access to provider discounts
  • Would like a plan with first dollar benefits to supplement a major medical plan with a higher deductible or coinsurance out-of-pocket

Available in Michigan, North Carolina and South Carolina.


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  • Available nationwide at over 42,000 pharmacies
  • Prescription Drugs: $10 generic drugs, $20 brand name and select generic drugs, $50 brand name and select generic drugs, and brand named drugs at a special negotiated discount
  • Automatic Acceptance - no underwriting or health questions
  • No time limits for pre-existing conditions
  • No monthly or annual maximums
  • Accept payment by: check, money order, Debit Card, MasterCard, Visa, Discover or automatic monthly bank draft


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