ACA-qualifying major medical health insurance is a good choice for anyone that is managing a pre-existing or chronic health condition or that otherwise needs a medical plan that provides coverage for the essential health benefits (prescription drugs, preventive care, etc.).
Nationwide Availability - Available in most states including one of the only short term medical products approved for sale in Minnesota.
Year-Round Sales - Increase your sales and revenue stream with STM products, which are available to enroll year-round in most states.
Next-Day Coverage - As well as coverage effective dates up to 60-90 days in the future in most states.
Duration Limits - Policies last from 30 days to 36 months when choosing an Extend renewable plan. Coverage options and availability varies by state.
Multiple Products, One Bill - Conveniently add additional products to this coverage, such as a critical illness and accident plan.
Pre-existing Conditions Coverage - The only STM option on the market with limited benefits for some pre-existing conditions. No cholesterol or hypertension questions, or tobacco use rating. Pre-existing condition coverage and availability vary by state and by policy option.
Exclusions - STM policies generally do not cover the essential health benefits, pre-existing conditions, and may have other limitations.
Supplemental medical gap insurance provides additional lump sum benefitsto help with out-of-pocket costs, out-of-network costs, and even to help with the costs of childcare, transportation, and housing.
No Deductibles - Lump sum benefits can be paid directly to the customer to use however they want.
Critical Illness + Accident Coverage - Covered conditions include but are not limited to broken bones, life-threatening cancer and heart attack. Benefits are subject to waiting periods and pre-existing conditions exclusions.
Guaranteed-Issue - No underwriting questions required.
High School Athletes - Get supplemental coverage for athletes as high school sports are not excluded.
Good oral health can be an important part of good overall health - and dental coverage can help by increasing access to routine preventive care like checkups and cleanings, and basic procedures, like simple tooth extractions and fillings.
Particularly for those with compromised vision, families, and older adults, vision insurance may be a good option by helping provide coverage for annual screenings and corrective lenses (glasses or contacts).
Health and medical discounts with telemedicine services (not an insurance product) can be a good way to increase convenience and/or savings, especially when paired with a specialty benefits insurance product like a short-term medical plan.
 Telemedicine can blunt the cost of unnecessary Covid-19 visits - STAT. (Mar. 2020). STAT. Retrieved 23 March 2020, from https://www.statnews.com/2020/03/19/telemedicine-blunt-cost-unnecessary-covid-19-visits/
 Telehealth overpromises during the Covid-19 pandemic - STAT. (Mar. 2020). STAT. Retrieved 23 March 2020, from https://www.statnews.com/2020/03/19/telehealth-overpromises-during-the-covid-19-pandemic/
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