US Insurance Solutions - Short Term Medical Plans Quote Page
On this page you will find company summaries and links to quote and apply online for all companies we represent that offer Short Term Medical Plans.
IMPORTANT NOTE:: Short term medical (STM) plans do not cover all the services/treatments mandated under Obamacare (e.g. maternity, 100% preventive care, outpatient mental health services and prescription drugs) and they do not cover any pre-existing conditions on term lengths of 12 months or less.
Therefore, we offer additional supplemental plans, which can be found on our US Supplemental Coverage page, for those who want to enhance their overall coverage.
To run quotes and apply online go to National General Quotes
National General STM plans include...
- Up to $1 million coverage period maximum
- Coverage terms from 30 days to 36 months (in selected states)
- Aetna OpenChoice PPO Network
- Cigna PPO network (in select states)
- 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 18, Mammograms, Pap Smears, PSA Test
- All Other Preventive Services Covered Subject to Deductible/Coinsurance
- Child-only coverage available
- Plans are portable and will not terminate when a member moves to a new state
Detailed information about the company and their plans along with downloadable plan brochures for each state can be found on the National General page on our website.
To run quotes and apply online go to Pivot Health Quotes
Pivot Health STM plans include...
- Up to $1 million coverage period maximum
- Coverage terms from 30 days to 24 months (in selected states)
- Classic STM plans allow freedom to see ANY provider with no restrictions
- Quantum PPO plans with Cigna PPO Network (in selected states)
- NEW! Epic STM plans offer the choice of plans where you can see any provider or PPO plans with Cigna PPO Network
- Office visit copay available on select plans
- Prescription drug co-pay benefits on select plans
- Access to Telemedicine 24/7 at NO additional cost
- Child-only coverage available
- Ovarian cancer screen and one annual pap smear per year, per covered female age 18 and over
Detailed information about the company and their plans along with downloadable plan brochures for the Classic STM and Quantum PPO plans can be found on the Pivot Health page on our website.
To run quotes and apply online go to IHC Group Quotes
IHC Group Connect STM plans include...
- Up to $2 million coverage period maximum
- Coverage terms from 30 days to 36 months (in selected states)
- Office visit copay on all plans (up to 3 visits per term)
- Choose from three deductible amounts
- Freedom to see any provider anytime
- Additional discounts by using the PHCS Limited Benefit Plan PPO Network
- Child-only coverage available
Detailed information about the company and their plans along with downloadable plan brochures for each state can be found on the IHC Group page on our website.
To run quotes and apply online go to United Healthcare Quotes
United Healthcare STM plans include...
- $2,000,000 Maximum Lifetime Benefit on ALL plans
- STM plans coverage terms from 30 days to 24 months (in selected states)
- TriTerm Medical plans coverage for 36 months (in selected states)
- Unlimited Urgent Care Visits with a copay on ALL plans
- Office Visit Copay on TriTerm and STM Copay plans
- 100% Coverage After Your Deductible on TriTerm Plan 100 and STM Plus Elite plans
- Limited Preventive care on ALL plans (benefit amounts vary by plan type)
- Outpatient Prescription Coverage on ALL plans (except Value) (benefit amounts vary by plan type)
Detailed information about the company and their plans along with downloadable plan brochures for each state can be found on the United Healthcare page on our website.
***Coming Soon***
 PLUS 
North American Health Plans/Aspen Insurance STM plans include...
- Up to $1.5 million coverage period maximum
- Coverage terms from 30 days to 36 months (in selected states)
- Unlimited $40 doctor office visit copay
- Unlimited $40 urgent care visits copay
- $50 copay for wellness visits
- Optional Pre-existing condition coverage
Detailed information about the companies and their plans along with downloadable plan brochures for each state can be found on the NAHP/Aspen page on our website.
 Schedule a Call With Me:
If you know exactly what plan and company that you want, you are welcome to apply directly through the appropriate link above. However, there are a number of factors related to your specific situation that will determine which type of plan and company will be best for you.
To discuss your health insurance options and make sure you have the best possible health plan for your situation, 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.
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