Short term insurance provides temporary benefits up to 90 days in many states. It’s designed to offer you financial protection if you have an unexpected injury or illness while waiting for coverage to begin under an ACA-qualified plan. Interim Coverage short term medical plans offer:
SHORT-TERM MEDICAL EXPENSE (STM)These products are not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don't have Minimum Essential Coverage, you may owe an additional payment with your taxes. The termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. These products may include a pre-existing condition exclusion provision.
Blue Cross and Blue Shield of Arizona does not underwrite, insure or administer the insurance plans described on this site. The insurance plans described on this site are underwritten by Standard Security Life Insurance Company of New York, a member of The IHC Group. There is no ownership affiliation between Standard Security Life, The IHC Group or Blue Cross and Blue Shield of Arizona. Standard Security Life and The IHC Group are independent companies that underwrite, insure and/or administer the insurance plans described on this site. Blue Cross and Blue Shield of Arizona contracts with The IHC Group to make the insurance plans described on this site available to customers who wish to purchase a short term medical product.