Basic Coverages with Short-term health insurance

Short-term health insurance is a great coverage option for a lot of people, but we’ve found that not a lot of people know much about it!
The idea is simple enough — get good, catastrophic health insurance protection (that’s the main point) for a short period of time – for example, while you’re waiting to get on the plan at your new job.
But it also works if you’re having trouble with the price of a traditional individual health insurance plan (the short time frame lowers the price significantly), and can sometimes work if you’re having trouble with underwriting on an individual plan (again, the shorter time frame leads to more relaxed underwriting standards).
Here’s a summary of some of the benefits available with short-term health insurance with our preferred partner, HCC. You can get a quote and have coverage in place tomorrow.

General STM Benefits South Carolina-Specific STM Benefits
  • Includes Coverage in Canada
  • Deductible Choices: $250, $500, $1,000, $2,500, $5,000 and $7,500
  • No Referrals Needed for Specialists Except Physical Therapy
  • No Primary Care Physician Required
  • Out-of-Network Coverage
  • Choice of 80/20% or 50/50% Coinsurance
  • Choice of Coverage Maximum up to $2,000,000 Lifetime
  • Hospital Inpatient Prescription Drug Coverage
  • Lab/X-ray, Emergency Room, Outpatient Surgery & Hospitalization Coverage
  • Prostate Screening
  • Periodic Mammogram Screening Exams Starting at Age 35
  • Annual Pap Smear
  • Cleft Lip and Cleft Palate Treatment
  • Mental Health Coverage
  • Discount Drug Card for Prescriptions