LifeShield Smart Term Health STM
Nearly 12 months coverage with a one-time purchase!
Up to $1,000,000 Coverage
If you need health insurance coverage for nearly a year while you wait for additional coverage, short term health insurance can take you the distance. Coverage periods of 3 months, 6 months and 364 days available, vary by state.
*Policy duration varies by state - see product availability grid.UNIQUE FEATURES
- Coverage period maximum of $250,000 to $1,000,000
- Choice of deductibles ranging from $250 to $10,000
COINSURANCE OPTIONS:
- 70%/30%, 50%/50%, 80%/20% OR 100%/0%
SUMMARY OF COVERAGE:
• Wellness
• Inpatient/Outpatient Surgery
• Hospital Benefits
• Emergency Room Care
• Outpatient Services
• X-Ray & Laboratory
• Transplant Benefits
• Urgent Care
• Sickness
*Short Term Medical insurance is often a lower-cost alternative to COBRA. However, if you purchase Short Term
Medical rather than maintaining COBRA coverage, you may give up your rights to coverage for pre-existing
conditions or guaranteed health insurance in the future.
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“THIS IS A SHORT TERM MEDICAL INSURANCE PLAN THAT IS NOT INTENDED TO QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU PURCHASE A PLAN THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE YOU TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE A HEALTH BENEFIT PLAN THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD. “
Who purchases this coverage?
This product is for individuals and families - providing nearly 12* months of coverage with a one-time purchase of four certificates that provide consecutive coverage without gaps in coverage. In between jobs, missed Open Enrollment, waiting for Medicare, needs a temporary alternative to COBRA, losing coverage from parent's insurance.
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LifeShield STM
Product available in the following states: |
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