Short-Term Medical Insurance Plans

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Why Choose Everest Short-Term Medical Insurance Plans?

Wellness Benefit Coverage: Your Everest STM has a $50 Copayment for one annual Routine Physical Exam that has 100% Coinsurance and benefits are not subject to the Plan Deductible. This includes a health history, an exam of all systems including cardiovascular, respiratory, neurological, musculoskeletal, reproductive and behavioral studies appropriate for age, risk and sex.

Financial Strength: Everest STM is underwritten by the Everest Reinsurance Company, and it is rated A+ Superior by the A.M. Best Company (2/10/17). A.M. Best is an independent global rating organization that examines insurance companies and publishes its opinion on their financial strength.

Affordability: Short-term medical (STM) insurance provides coverage that is designed for your needs, peace of mind, and financial well-being from the ever-rising costs of healthcare expenses. You may be still subject to the ACA tax penalty, but in many cases an STM with a penalty is more cost-effective than an ACA plan.

It is ideal for those who are:

  • Bridging the open enrollment gap
  • Recent graduates
  • Part-time or temporary employees
  • Without adequate health insurance
  • Between jobs or have been laid-off
  • Waiting for employer benefits to start

Everest Health Insurance Feature Highlights

  • Coverage Period Maximum of $250,000 and $1,000,000
  • Deductible options of $1,000, $2,500, or $5,000
  • Coinsurance Percentage of In-Network plan, 80/20
  • Doctor Office Visit Co-pay of $30

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AFFORDABLE CARE ACT TAX. Short term health insurance is health insurance outside of the Affordable Care Act ("Obamacare"). It does not include all ten of the minimum essential benefits of Obamacare and it does not cover pre-existing conditions. To learn more about the tax, its exemptions, and how to calculate the affordability of short term health with the tax, see here. To learn more about the differences between Short term health insurance and Obamacare, see here.


Short-Term Medical Insurance Plans