Don't risk facing a serious illness or accident without medical coverage. Short Term Medical Insurance (STM) is cost-effective and flexible coverage designed to fill the temporary needs of those without insurance, including new graduates and the unemployed. STM is intended for those who expect to have coverage through work, school, or another source soon. STM is usually much less expensive than other alternatives, such as COBRA. Applying is quick and easy.

If you’ve just graduated, medical insurance through your parental or school plan ends—as early as the day before graduation and often before new coverage begins through a job or graduate school.

If you’re between jobs, you may have lost your employee medical insurance.

Even if you’ll soon start a new job, medical insurance seldom starts on the first day. That’s because most employers impose a “waiting period” of as much as several months.

Not sure if STM is right for you? Click here for more information about STM vs. Permanent Medical Insurance (PM).

STM is currently unavailable in CT, MA, NJ, NY, or VT. Residents of those states should consider PM to bridge a temporary gap in coverage.

This Web site highlights the major features of STM, but complete terms are governed by the insurance policy. In any case, all coverage required by your state is included.

Assurant Health markets products underwritten by Time Insurance Company. STM is nonrenewable and is not available in all states. Meyer and Associates can frequently offer alternate medical insurance options.