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Valuable medical protection on a short-term basis is an option that can meet your needs when you are between jobs, waiting for other coverage to start, no longer covered on a parent's plan, attending college, a recent graduate, or other short-term needs. If you are finding yourself in one of the listed scenarios enrolling in a Short-Term policy can fill the gap.
Short Term Health Insurance in Washington provides temporary short term medical insurance coverage for special situations when you need coverage now. Call May'Lene or one of our other knowledgable agents for assistance in choosing a health plan, or explore these plans now, get quotes, and apply online.
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Short term medical insurance is designed to provide medical coverage on a temporary basis to fill a temporary need. It cannot be renewed and is not intended to replace coverage. New rules impacting short-term medical (STM) plan durations are now in effect. As of April 1, 2017, STM policies are limited to a maximum of 90 days. After the first 90 days it is possible to reapply again. Short term coverage is not intended to replace permanent coverage.
There is no continuous coverage between policies. Any condition that may have existed or occurred under one policy will be a pre-existing condition under the subsequent policy, and therefore, will not be covered under the subsequent policy.
When is short term medical insurance appropriate?
Pre-existing conditions These plans are designed to cover any new sickness or injury that occurs while covered on the policy. There is no continuous coverage between policies. Any condition which may have existed or occurred under one policy will be a pre-existing condition under the subsequent policy, and therefore, will not be covered on the subsequent policy.
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 LifeMap.
This policy can be used for medical coverage while traveling abroad.
Reapplying for Coverage: You can reapply once in a twelve month period.
LifeMap STM - 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.