Why Choose Standard Life Select Short-Term Medical Insurance Plans?
We know how important it is to find the right plan and benefits. Your Standard Life Select STM plan offers a deductible, coinsurance and lifetime maximum amount tailored to your needs. We've got you covered! Your plan offers doctor visit copays, wellness exams and a PPO network accepted at almost 900,000 healthcare providers.
Finding a doctor for the first time? Not a problem! Choosing a doctor in the PHCS Network has never been easier. You can search by location, zip code, doctor's name or just the type of doctor you are looking for.
It is ideal for those who are:
Bridging the open enrollment gap
Part-time or temporary employees
Without adequate health insurance
Between jobs or have been laid-off
Waiting for employer benefits to start
Standard Life Select Health Insurance Feature Highlights
Coverage Period Maximum of $250,000 to $1 million
Deductible options: $250, $500, $1,000, $2,500, $5,000, $7,500, or $10,000
Coinsurance Percentage: In-Network plan 100/0, 80/20, 70/30 (Out-of-Network is 20% less)
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.