Short-Term Health Insurance and Temporary Health Insurance Plans

Individuals and their families who need medical insurance for a limited period of time should purchase short-term health insurance. Short-term health insurance plans are available for individuals and families looking for temporary coverage in the USA, until they are eligible for domestic health insurance.

These plans are best suited for for recent U.S. immigrants, college graduates, international students on OPT visas, early retirees waiting on Medicare to begin, guest work visa holders, such as H or L visas, and U.S. citizens returning to the U.S. after living abroad. These short-term medical insurance plans are also appropriate for individuals who have been laid off from their jobs, are in-between jobs, or are waiting on their permanent health benefits to begin at their new job. These plans are available for individuals up to the age of 64.

The insurance plans listed below are some of the most top-rated temporary medical insurance plans that provide excellent health coverage for up to 3 months for individuals and families in the USA.

ISEC IHC Secure

Underwriter: Standard Security Life Insurance Company of New York
AM Best Rating: A-
Plan pays 80%, 70% or 50% up to first $10,000, then 100%
  • Available up to age 64
  • Two options available - Secure STM and Secure Lite
  • For Secure STM: Plan pays 80% or 50% for first $10,000 and then 100% up to $2 million
  • For Secure Lite: Plan pays fixed limited dollar amount for each service and treatment up to policy maximum of $750,000
  • 10 day free look-up period, no cancellation or refund available after that.
  • Extra $25 application fee

  • Not Available to Residents of: California, Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont and Washington

ISTCIHC Short Term Connect

Underwriter: Independence American Insurance Company (IAIC)
  • Available up to age 64
  • Two options available - Connect STM and Connect Lite
  • For Connect STM: Pays up to 20%, 30% or 50% up to maximum out of pocket, then covers 100% up to Policy Maximum $2 Million
  • For Connect Lite: Pays 20% or 50% up to out of pocket Maximum and then pays 100% up a Fixed amount for every service or treatment, up to Policy maximum of $1 Million
  • 10 day look-back period, no refund available after that
  • Not Available to Residents of: Arizona, California, Connecticut, Washington DC, Delaware, Idaho, Massachusetts, Minnesota, Missouri, New Hampshire, New Jersey, New Mexico, New York, Rhode Island, Utah, Virginia, Vermont, Washington

ICAPIHC Care Access Plan

Underwriter: Independence American Insurance Company (IAIC)
  • Available up to age 64
  • 10 day look-back period, no refund available after that
  • Covers for only defined Critical Illness, Hospitalization & Surgery
  • Plan pays fixed benefit amounts for these covered situations
  • Optional Coverage for preventive wellness, diagnostic testing and physician office visits

  • Not Available to Residents of: Arizona, Connecticut, Massachusetts, Minnesota, Missouri, New Hampshire, New Jersey, New York, Rhode Island, Vermont, Washington
Disclaimer
Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
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