National Benefits - Short Term Medical Products


IHC's Temporary Medical Plan . . .

Secure Short Term-medical Insurance

Short-Term Medical is offered to members, their spouses under 65 and eligible dependents under age 26 who have a social security number and can answer 'no' to the health questions on the application. Child-only coverage is available for ages 2 through 18.
  • Flexible and affordable coverage options for 1-3  months.
  • STM is not available in all states.
  • Some states only allow a maximum six-month coverage period.
  • Fast, easy and secure online applications with fulfillment documents
  • Coverage may start 12:01 a.m. the day after application is submitted
  • Choose any Doctor or Hospital
  • $2,000,000 lifetime maximum per covered person.
Pivot Health STM
Pivot Health Short Term Medical is designed to provide great short-term coverage with benefit options equivalent to long-term coverage.
  • Office visit copay plans
  • Prescription drug plans
  • Lifetime maximum options from $100,000 to $1 million
  • You can purchase four back-to-back 90-day coverage plans
  • ID cards and Certificates of Insurance issued immediately

Get a free, no obligation quote or enroll today to receive coverage effective as soon as 12:01 a.m. tomorrow!

Carrier Information:  Pivot Health STM is underwritten by Companion Life rated A+ (Superior) by A.M. Best
national_general_stm_brochure.pdf
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This 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

​Any amount of time without health insurance is too long. Our Short Term Medical insurance includes flexible plan designs and options to help you find the plan that fits your needs, budget, and in this case, your time frame.