Short Term Medical

Affordable, temporary health insurance

Our Short Term Medical insurance gives you a plan to face those
unpredictable moments in life with confidence. It provides the financial protection you need from unexpected medical bills and other health care expenses, including:

  • Doctor visits and some preventive care

  • Emergency room and ambulance coverage

  • Urgent care benefits, and more

For complete limitations & exclusions by state for Short Term Medical insurance, click here.

$250,000 or $1,000,000 in benefits available per coverage term


Choose from a variety of deductible and coinsurance options designed to help you find the plan that fits your budget

Find the right doctor through the large, national Aetna
Open Choice PPO Network.

Get coverage as soon as the next day


Benefit Schedule



Short Term Medical (STM) and Health Care Reform
This coverage is not required to comply with federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of pre-existing conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

This policy does not meet the definition of qualifying previous coverage or qualifying existing coverage. As a result, if purchased in lieu of a conversion policy or other group coverage, you may have to meet a pre-existing condition requirement when renewing or purchasing other coverage.

California Consumer Privacy