National General Short Term Medical
National General offers Short Term Medical (STM) plans in 34 states (including D.C.). The length of the available coverage term varies by state. Below you will find the states where National General plans are available and the policy term duration's for their plans in each state.
The National General STM plan provide an excellent base of protection. However, Short term medical (STM) plans do not cover all the services/treatments mandated under Obamacare (e.g. maternity, preventive care, outpatient mental health services and prescription drugs) and they do not cover any pre-existing conditions.
Therefore, to enhance your overall coverage, National General offers several supplemental benefits (see further down this page). You can also add any or all the following supplemental benefits available on our US Supplemental Coverage page to make your overall plan as comprehensive as you want:
- Accident Protection Plans
- Critical Illness Plans
- Cancer Treatment Plans
- First Day Hospital/ICU Stay Protection
- 100% Preventive Care (Per ACA/Obamacare guidelines)
- Prescription Drug coverage
- Dental and Vision
- Life Insurance
National General Coverage
The National General Short-Term Medical (STM) plans cover 50%, 80% or 100% of covered expenses after the deductible, including doctor office visit fees, diagnostic testing, and hospitalization and surgery.
These plans utilize the Aetna OpenChoice PPO network. To find out which network is available to you in your area, please visit the Aetna Open Choice PPO Network.
Choose location; set distance parameters - Select “Open Choice® PPO”
Plus National General STM plans include...
- Aetna OpenChoice PPO network (see above)
- Access to Telemedicine 24/7 at NO additional cost
- Unlimited Urgent Care Visits for $50 copay with NO deductible. Only pay coinsurance (if any) for additional costs above copay
- NO Deductible for - Childhood Vaccines to age 6, Mammograms, Pap Smears, PSA Test
- All Other Preventive Services Covered Subject to Deductible/Coinsurance
NEW! National General has added the Cigna Nationwide PPO network to give people the choice of Aetna or Cigna in the following states:
AL, AZ, AR, FL, GA, KY, LA, MI, MS, MT, NV, OH, SC, UT, WI and WV
National General Brochures
Aetna Network Brochures:
Enhanced STM Brochure (AL, AR, FL, GA, IN, KY, LA, MS, OH, SC, WV)
Enhanced STM Brochure (AZ)
Enhanced STM Brochure (TX)
Enhanced STM Brochure (MI, NV)
Enhanced STM Brochure (NE, UT)
Enhanced STM Brochure (IA)
Enhanced STM Brochure (IL)
STM Brochure (MO and SD)
STM Brochure (NC, ND, OK, TN, VA, and WY)
Cigna Network Brochures:
Enhanced STM Brochure (UT)
NOTE: We will add links to the following brochures as they become available:
Enhanced STM Brochure (AL, AR, FL, GA, KY, LA, MS, OH, SC, WV)
Enhanced STM Brochure (AZ)
Enhanced STM Brochure (MI, NV)
You can also download brochures through the Quote and Apply link below.
National General Plans Availability by State
National General Short Term Medical (STM) plan availability and duration of policy terms by state is as follows:
States with plans available for up to 364 days per policy:
AL, AR, AZ, FL, GA, KS, KY, LA, ME, MS, NC, ND, NE, OH, SC (11-month plans), SD, TN, TX, UT, VA, WI, WV
States with up to two (2) back to back 364-day policies available:
AL, AR, AZ, FL, GA, KY, LA, MS, NE, OH, SC (2 11-month plans), TX, UT
States with up to three (3) back to back 364-day policies available:
AL, AR, AZ, FL, GA, KY, LA, MS, SC (3 11-month plans), TX (starting 1/1/2020)
States with four (4) back to back 6-month policies available:
States with two (2) back to back 6-month policies available:
All other states are either not allowing STM plans or limiting them to 3 or 6-month maximum policy duration's per year. Please see our US Health Plans page and click on the link for your state to find out the maximum coverage term length for STM plans in your state.
National General Supplemental Benefits
National General offers a variety of different supplemental plan options that you can include with your STM plan. Plan availability varies by state. For all supplemental plans you can view plan details, see availability for your state, run quotes and apply for these plans at the link below. The available plans are as follows:
Foundation Health Enhanced Fixed Benefit Plan:
The Foundation Enhanced Fixed Benefit plan is a great addition to the National General STM plans (above) in that it will provide direct, “first dollar” benefits to you for services you receive while you are meeting the annual deductible on the STM plan. That lowers your out of pocket costs for the deductible and any coinsurance.
This plan pays set dollar amounts for specific health care services in addition to any other insurance you have. That means that even after you meet your STM plan deductible and that plan is covering future services, you can still submit those claims to Foundation for reimbursement.
For more details see the: Foundation Health Enhanced Brochure
National General’s Plan Enhancer offers Accident Medical Expense (AME) protection by itself or combined with Cancer and Heart Attack/Stroke (CHS) coverage and/or Sickness Hospitalization (SIP) coverage. You can choose just the AME or add one or both CHS or SIP options.
- Accident Medical Expense (AME) – AME pays the selected benefit amount per accident.
- Cancer and Heart Attack/Stroke (CHS) – CHS pays the selected amount upon diagnosis of cancer or after a heart attack or stroke.
- Sickness Hospitalization (SIP) – Pays the selected benefit amount for the first day you are admitted to the hospital each year.
For more details see the: Plan Enhancer Brochure
TrioMED Accident & Critical Illness:
National General's TrioMED plans provide BOTH accident and critical illness coverage in one plan. There are three guaranteed issue plan options available:
- Option 1 - $2,500 benefit each for accidents and critical illnesses
- Option 2 - $5,000 benefit each for accidents and critical illnesses
- Option 2 - $10,000 benefit each for accidents and critical illnesses
There are also two plans available on a standard issue basis. Each has a $5,000 accident benefit with your choice of $15,000 or $30,000 critical illness benefit.
For more details see the: TrioMED Brochure
National General term life insurance provides an easy way to add $25,000 to $100,000 of term life insurance protection for your family.
For more details see the: Term Life Insurance Brochure
National General Short Term Medical Quote and Apply Online
The easiest way to apply is through National General's secure online application as follows:
Click here to Quote and Apply
See if one of our alternative health plan solutions is right for you
If you would like to discuss your health insurance options to see if one of these National General STM plans (combined with a Fixed Benefit plan and/or our other US Supplemental Plans) are right for you, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.