What is Short-Term Limited Medical Insurance?
Short-Term Limited Medical insurance is affordable, temporary insurance that provides limited benefit coverage for up to 12 months. The plans pay a fixed amount for benefits you can really use like doctor visits, X-rays and wellness benefits; are purchased on a month-to-month basis and you can cancel at any time.
The application process is quick and simple, and qualified applicants are often approved in less than three days.
However, it is also important to know that Short-Term Limited Medical insurance is not comprehensive medical coverage.*
Why do I need Short-Term Limited Medical Insurance?
Health insurance is essential for everyone. But everyone’s needs are different, and what do you do when you are at the crucial point of being between coverage options?
- Are you between jobs? The inexpensive premiums make Standard Life and Accident Limited Medical insurance a great option for people who need temporary coverage like recent college graduates, seasonal workers or those who have lost their employment. You can get interim coverage to fill the gap.
- Have you missed open enrollment? If so, our quick approval process can allow you to get coverage now, until the next enrollment period.
- Did you retire early and are waiting for Medicare benefits to begin? Our short-term coverage can provide you with protection for up to one year, until you are eligible to receive your Medicare benefits.
Learn what happens once the policy ends and view a list of benefits
View and download our Short-Term Limited Medical White Paper
Policy Form Series SL-SDLB-C may not be available in all states.
The policy has exclusions and limitations. Benefits may vary by state.
This product is not available in AK, AL, CA, CO, CT, DC, GA, HI, ID, MA, MD, ME, MN, MO, MT, NC, ND, NH, NJ, NM, NY, OR, RI, SD, TN, UT, VT, WA
*Short-Term Limited Medical plans do not meet Minimum Essential Coverage criteria, therefore they are not ACA compliant and you may still be subject to the tax penalty.