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.
- Coverage period maximum of $250,000 to $1,000,000
- Choice of deductibles ranging from $250 to $10,000
Physician benefits; Co-Pays of $30 or $50 depending on plan
Wellness Benefit Co-Pay - 1 per year - $50
Use Any Medical Provider - or use the PHCS MultiPlan PPO Network
Online Enrollment and fulfillment (All communication is online through the insureds personal email)
- 70%/30%, 50%/50%, 80%/20% OR 100%/0%
SUMMARY OF COVERAGE:
*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.
• Inpatient/Outpatient Surgery
• Hospital Benefits
• Emergency Room Care
• Outpatient Services
• X-Ray & Laboratory
• Transplant Benefits
• Urgent Care
“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. “
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.
Who purchases this coverage?
Product available in the following states:
Short Term Medical
AL, AR, DE, DC, FL, GA, KY, MS, NC, OH, PA, TN, TX, WV, WY
All info provided on this website is for Agent Use Only and not intended for public distribution of any kind.