Short Term Medical (STM) Insurance helps cover you in the event of accidents or sudden illnesses. Premiums are generally much lower than individual major medical plans because there are exclusions. A health questionnaire must be completed to determine eligibility.
1 to 24 Months
Do Not Cover:
Preventive (Wellness) Care
$300,000 to $2,000,000
ANSWER HEALTH QUESTIONS
See the list below for a sample questionnaire from our preferred STM provider National General.
Are you or any applicant:
Now pregnant, an expectant father, in process of adoption, or undergoing
Over 300 pounds if male or over 250 pounds if female?
Within the last 5 years has any applicant been diagnosed, treated, or taken medication for or experienced signs or symptoms of any of the following:
Cancer or Tumor?
Heart Disease, including heart attack, chest pain, or had heart surgery
COPD (Chronic Obstructive Pulmonary Disease) or emphysema
Degenerative Disc disease or herniation/bulge
Degenerative Joint disease of the knee
Alcohol Abuse or Chemical Dependency
Within the last 5 years has any applicant been diagnosed or treated by a physician or medical practitioner for Acquired Immune Deficiency Syndrome (AIDS) or tested positive for Human Immunodeficiency Virus (HIV)?
Have you been hospitalized for mental illness in the last 5 years or have you seen a psychiatrist on more than 5 times during the last 12 months?
If you are not a US citizen, do you expect to legally reside in the US for the duration of the policy?
Have questions or need help with enrolling? Call American Exchange today at 1-888-995-1674.
Calling the number above will direct you to a licensed agent.This website is privately owned and all information associated are not associated with any state exchange or the federal marketplace.We are not the Health Insurance Marketplace Website.To visit the Health Insurance Marketplace website go to Healthcare.gov. American Exchange is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) standards established under 45 CFR 155.260 to protect the privacy of PHI. By providing the information above, I consent to have a licensed sales agent contact me regarding Individual Health, Medicare Advantage plans, Medicare Supplement Insurance plans, Part D prescription Drug plans or other insurance products."