LifeShield Smart Term Health STM

Nearly 12 months coverage with a one-time purchase!


Up to $1,000,000 Coverage

If you need health insurance coverage for nearly a year while you wait for additional coverage, short term health insurance can take you the distance. Coverage periods of 3 months, 6 months and 364 days available, vary by state.

*Policy duration varies by state - see product availability grid.

UNIQUE FEATURES
  • Coverage period maximum of $250,000 to $1,000,000
  • Choice of deductibles ranging from $250 to $10,000

COINSURANCE OPTIONS:
  • 70%/30%, 50%/50%, 80%/20% OR 100%/0%
  • Physician benefits; Co-Pays of $30 or $50 depending on plan
  • Wellness Benefit Co-Pay - 1 per year - $50
  • Use Any Medical Provider - or use the PHCS MultiPlan PPO Network
  • Online Enrollment and fulfillment (All communication is online through the insureds personal email)


  • SUMMARY OF COVERAGE:
      • Wellness
      • Inpatient/Outpatient Surgery
      • Hospital Benefits
      • Emergency Room Care
      • Outpatient Services
      • X-Ray & Laboratory
      • Transplant Benefits
      • Urgent Care
      • Sickness
    *Short Term Medical insurance is often a lower-cost alternative to COBRA. However, if you purchase Short Term Medical rather than maintaining COBRA coverage, you may give up your rights to coverage for pre-existing conditions or guaranteed health insurance in the future.



    Example Quoting Link / For TEST QUOTES

    “THIS IS A SHORT TERM MEDICAL INSURANCE PLAN THAT IS NOT INTENDED TO QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU PURCHASE A PLAN THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE YOU TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE A HEALTH BENEFIT PLAN THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD. “


    Who purchases this coverage?
    This product is for individuals and families - providing nearly 12* months of coverage with a one-time purchase of four certificates that provide consecutive coverage without gaps in coverage. In between jobs, missed Open Enrollment, waiting for Medicare, needs a temporary alternative to COBRA, losing coverage from parent's insurance.

    View LifeShield STM Brochure


    LifeShield STM
    Short Term Medical
    Product available in the following states:

    AL, AR, DE, DC, FL, GA, KY, MS, NC, OH, PA, TN, TX, WV, WY

    800-366-2467

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