- Mon-Thu 7:30am-5:00pm
Sat & Sun Closed
Simple Term STM Health Insurance Plan
Maximum Benefit $1,000,000 per Coverage Period
Pre-existing Conditions 'Look Back' Only 12 Months!
Issue ages 2-64. Up to 364 Days of Coverage* as soon as the day after you apply! * (duration of coverage can vary by state)
- Emergency Room Care
- Outpatient Services
- X-ray and Laboratory Services
✔ Unlimited Physician's Office Visits - $35 Co-Pay Option, No Deductible or Coinsurance. Available even with maximum deductible.
✔ Unlimited Urgent Care Center Visits - $50 Co-Pay each visit, after which Coinsurance will apply - Not subject to Deductible.
✔ Flexibility to choose your own Physician and Hospital; or, use the PHCS PPO network to save even more on out of pocket expenses.
✔ Deductibles of $500 to $10,000 available.
✔ Coinsurance Options: 80%/20% - to $1,000 or $2,000 maximum out of pocket after the deductible of covered charges.
✔ MD Live Telemedicine INCLUDED; Unlimited calls - NO Co-Pays.
Call and ask us about longer duration STM plans that may be available!
Simple Term Short Term MedicalProduct available in the following states:
AL, AR, AZ, DE, GA, IA, IL, IN, KS, KY, LA, MI, MS, MT, ND, NE, NV, NC, OH, OK, PA, SC, TX, WV, WI, WY