For actual coverage information you must refer to the printed policy material supplied by the insurance carriers. If you have other questions, please complete the questionnaire and we will have an agent contact you.

1. What is a short term medical policy ?
2. If I am self-employed, are there other options available to me?
3. What is a pre-existing health condition?
4. Will a pre-existing health condition be covered?
5. Can I be declined coverage?
6. How much will health insurance cost?

Short term medical insurance provides high-limit medical expense coverage, on an indemnity basis, for a relatively short period of time. At the time of purchase, the insured can choose a period of coverage that may be as short as 30 days, up to as long as 180 or 185 days (i.e., approximately 6 months). Several deductible and coinsurance options exist, with the premium cost varying according to the specific deductible and coinsurance provisions selected.
Short term medical plans do not cover pre-existing conditions. It is recommended that prior to purchase, individuals carefully read the "exclusions section" and the other sections of a short term medical insurance policy.

Yes. If you are self-employed, you may be able to purchase group health insurance as a "group of one". You will be required to provide proof that you are a legitimate business in order to qualify for group coverage. There may be tax advantages to purchasing group coverage. You should contact a tax professional for details.
Also, group plans may offer more comprehensive coverage, lower deductibles and more options. Please fill out the information request form for an agent to contact you with more information.

In it’s broadest definition a pre-existing health condition is any sickness or physical condition which you received medical care, treatment, or medication prior to your requested effective date of coverage with a health insurance plan. State mandates vary on how far back insurance companies will look to determine if a condition was present. Standard guidelines are any condition that would have caused a prudent person to seek a medical diagnosis or treatment within the mandated time period is considered pre-existing.

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Will a pre-existing health condition be covered?

Always read the policy to determine when a pre-existing condition is covered.  Specific rules and exclusions vary by state and company, and you should consult a licensed health insurance agent for details.
This clause does not apply to short term policies. All pre-existing conditions are excluded on short term medical plans.

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Due to state mandates, companies that offer permanent insurance plans in Maine and New Hampshire  cannot decline an applicant based upon health history, an applicant can be declined if they don’t meet certain age and residency requirements.
Short term plans may also decline if you don’t meet residency and age requirements, as well as for certain medical conditions. You should consult a licensed health insurance agent for advice on your specific situation.

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How much will health insurance cost?

Premiums for both short term and permanent plans vary depending on your age, number of dependents, state of residence, and the type of coverage you choose.
For rates on a permanent plan, please fill out the request for information on this web site, and we will refer you to a licensed health insurance agent in your area.

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