Short Term Health Insurance Idaho Choices

Short term health insurance in Idaho provides temporary short–term medical
insurance coverage for special situations when you need coverage now:

Between jobs
Waiting for other coverage to start
No longer covered on parent’s plan
During college or after graduation
Other short–term coverage needs

Save Money on Prescriptions Foreign Travel Insurance Student Health Insurance

Direct Online Quotes and Applications

When you apply online with us, you gain a partner ready to answer your questions and
make sure your application is processed properly.
One of our Agents will be assigned to you and will contact you to introduce themselves.

Apply Online: InterM – Short Term Major Medical Insurance
Short term major medical insurance for individuals or families. Pay by credit card, or print your pre–filled application and mail it in with your check. To begin, please enter your zip code and click on the "Get More Info" button.

Download InterM Brochure and Application (PDF)

Check Benefits and Apply Online
Download Brochure (PDF)
Download Application

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Brochure and Application to Mail or Fax

Temporary medical insurance overage can be purchased for as few as 30 days or up to 12 months. A new policy can be purchased to extend the health insurance coverage for a second term in most cases. Keep in mind that each extension is a new policy and won't cover conditions treated by the previous coverage. Coverage ends with the current term unless hospitalized or disabled. You can send the full premium with the application or choose a convenient monthly payment option. You can pay by check or a credit card.

Short Term Medical is designed to provide coverage for major hospital, medical and surgical expenses incurred as a result of medically necessary care for a covered illness or injury. Coverage is generally provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital services, and out-of-hospital care, subject to any deductibles or rate of payment provisions or other limitations which may be set forth in the policy. Each plan has unique benefit designs and it is recommended that you refer to company literature for a more complete description of coverage.

Regence Life and Health

InterM - Short Term Major Medical Insurance:

The policy effective date will be 12:01 a.m. on the later of the day after the postmark date stamped on the application envelope or the date you request, provided your application and full premium payment are received and your answers on the application are complete and meet the requirements for acceptance by Regence Life and Health Insurance Company.

This policy can be used for medical coverage while traveling abroad.

Reapplying for Coverage: You can reapply for coverage for up to two consecutive 185 day terms, then a 6–month break in coverage is required before reapplying again.

Five year pre-existing condition exclusion.

Secure STM – Standard Security Life Insurance

Secure STM – Standard Security Life Insurance Company of NY from Health Plan Administrators (HPA)

After satisfying the deductible amount you have selected, Secure STM will pay the co-insurance you selected for covered expenses, for up to a lifetime maximum of $2 million per insured person per coverage period.

Reapplying for Coverage:
Can reapply once.

Five year pre-existing condition exclusion.

Assurant Health

Your coverage effective date will begin on the later of:
1) 12:01 a.m. the day after your requested policy date; or
2) 12:01 a.m. the day after the postmark date affixed by the U.S. Post Office, whichever is later, provided your application and full premium payment are received by us and your answers on the application are complete and meet the requirements for acceptance by Fortis.

Additional Savings:
You can reduce your medical bills by using the doctors and hospitals participating in PHCS

Reapplying for Coverage:
You can reapply for coverage only after a 90–day break in coverage.

12 month pre–existing condition exclusion.

Blue Cross of Idaho

Short Term Blue

Blue Cross of Idaho’s Short Term Blue offers a limited benefit program for temporary coverage. You can protect yourself and eligible dependents during those times between coverage, choosing coverage for just one month, or up to ten months. Once you enroll you may not enroll any additional dependents with the sole exception of a newborn or an adopted child.

Short Term Blue does not provide extensive, catastrophic coverage, like organ transplants, that major medical programs often cover. It is designed to cover typical, short term illness or injuries that could occur while you’re between full benefit programs.

Short Term Blue does not cover any preexisting conditions.

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