Page 2 - FL_STM_Connect STM
P. 2
When circumstances
leave you temporarily
uninsured, short-
term medical (STM)
insurance helps
protect you during
coverage gaps.
Connect STM offers several benefit options that allow you to find the right answer
for your specific coverage needs. Short-term medical provides limited duration
insurance coverage for 30 to 364 days, which varies by state. Not all states allow
for durations of 364 days.
Why STM insurance?
STM insurance plans provide insurance coverage during life transitions. When you are between
group insurance or individual major medical policies, STM insurance policies pay for covered
medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic
physician visits, emergency room treatment, hospital stays, surgery, intensive care and more, but
do not include maternity care or outpatient prescription drugs.
• Affordable
STM insurance policies are affordable. While STM contains limitations when compared to
traditional major medical plans, the premium is generally lower. While ACA plans can only
vary premiums based on geography, age, tobacco use and number of people covered (single
vs. family plan), short-term plans can vary rates due to any number of factors, including
health conditions.
• Customizable
Select from various benefit levels which best meet your insurance and premium needs. You
can also add other coverage such as dental insurance or a discount prescription drug program.
• Convenient
Coverage can begin as early as the day following acceptance of your online application. In
addition, policy forms and ID cards as well as claims information are available online.
An STM policy may be right for you if you:
• Have missed the open enrollment period and aren’t eligible for special enrollment under the
Affordable Care Act (ACA)
• Are waiting for your ACA coverage to start
• Are waiting for health insurance benefits to begin at a new job
• Are looking for coverage to bridge you to Medicare
• Are needing an alternative to COBRA
• Under age 65
STM policies provide flexible temporary coverage. It is also important that you
understand what you’re buying so you can make a fully informed choice for you
and your family.
2 Brochure Connect STM 1018
leave you temporarily
uninsured, short-
term medical (STM)
insurance helps
protect you during
coverage gaps.
Connect STM offers several benefit options that allow you to find the right answer
for your specific coverage needs. Short-term medical provides limited duration
insurance coverage for 30 to 364 days, which varies by state. Not all states allow
for durations of 364 days.
Why STM insurance?
STM insurance plans provide insurance coverage during life transitions. When you are between
group insurance or individual major medical policies, STM insurance policies pay for covered
medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic
physician visits, emergency room treatment, hospital stays, surgery, intensive care and more, but
do not include maternity care or outpatient prescription drugs.
• Affordable
STM insurance policies are affordable. While STM contains limitations when compared to
traditional major medical plans, the premium is generally lower. While ACA plans can only
vary premiums based on geography, age, tobacco use and number of people covered (single
vs. family plan), short-term plans can vary rates due to any number of factors, including
health conditions.
• Customizable
Select from various benefit levels which best meet your insurance and premium needs. You
can also add other coverage such as dental insurance or a discount prescription drug program.
• Convenient
Coverage can begin as early as the day following acceptance of your online application. In
addition, policy forms and ID cards as well as claims information are available online.
An STM policy may be right for you if you:
• Have missed the open enrollment period and aren’t eligible for special enrollment under the
Affordable Care Act (ACA)
• Are waiting for your ACA coverage to start
• Are waiting for health insurance benefits to begin at a new job
• Are looking for coverage to bridge you to Medicare
• Are needing an alternative to COBRA
• Under age 65
STM policies provide flexible temporary coverage. It is also important that you
understand what you’re buying so you can make a fully informed choice for you
and your family.
2 Brochure Connect STM 1018
