Short Term Health Insurance

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For More Information call 1-800-448-4715

Short Term Health Insurance (One Month – 12 Months)

APPLY ONLINE:
Texas Residents *
All Other Approved States *

Short Term Medical

Covered Benefits

$1,000,000 Lifetime Maximum per insured person

Temporary major medical with coverage options up to 6 continuous months with unlimited renewal options*

Simplified underwriting with No Exam, blood or APS required.

Choose any doctor or hospital, No PPO/HMO

24 hour coverage worldwide

Monthly Pay up to 6 months

30 Day Money Back Guarantee

Texas residents only

1 to 6 Months of Coverage

All cause Deductible Choices: $250, $500, $1000 or $2000 with a Max. of 3 Deductibles per Family

Payment Choices: Monthly Bill, Bank Draft, MC, Visa or Discover Credit Cards

Issued STM via FAX if paid by Credit Card

Dependent Children Coverage to age 24 (Must be a fulltime student in an accredited school.)

Non-US Citizens are OK (12 Months of Residency.)

Eligible Ages include 0 to 64 Years Old

RX, Vision, Dental, and Supplement Discounts

Full Internet Access

Texas Residents Only

Secure Saver - comprehensive $2 million short term health; 100%
co-insurance with $250 - $1,000 deductible choices. $50 co-pays.

Secure Lite STM - $750,000 lifetime maximum. $25 office visit co-pays. $1,000 per day room & board. 80% or 50% co-insurance to $10,000. Low cost.

Secure STM - $2 million Short Term Medical coverage from 30 to 180 or 365 days of coverage. Unlimited renewals. Eligibility up to age 65.

Horizons Temporary Health - $1 million Short Term Medical coverage from 30 to 180 days of coverage with two renewals. $25 office visit co-pays. Prescription drug card.

John Alden Short Term Medical - Click here for quotes or enrollment. Choose "Apply online".

Fortis Short Term Medical - Click here for quotes or enrollment. Choose "Apply online" and copy and paste Agent number: 00034308100001

Select STM - Coverage for 1-6 or up to 12 months . $2,000,000 Lifetime Maximum. Freedom to choose any doctor or hospital. Choice of $250,$500,$1,000 and $2,500 deductibles. Select to pay monthly or single payment. Accept payment by: check, money order, MC, Visa, Discover or automatic bank draft. Child only coverage. Insured by: TIG Premier Insurance/Ranger Insurance/ TIG Insurance Company. Administered by: Health Plan Administrators, Inc., Rockford, IL. Most competitive up to 12 month STM

Horizon Temporary Health - Coverage up to six months. $1,000,000 lifetime benefit. Office and consultations paid at 100% (in-or out-of-network). Other services normally considered as part of an office visit (eg. lab and X-ray) will be paid at applicable coinsurance with the deductible waived. The carrier is Allied National Companies.

Doctor's Select Rx - Click here for $10 or $20 select generic & brand name drugs. Mail Order Savings, Free Drug Program Info.
$21.95 single - $36.95 family.

All Other Approved States

Liberty STM - Up to six months short term medical. Choose from $250 to $2,000 deductible. Then the plan pays 80% up to $10,000. After this pays 100% up to one million.

Freedom STM -

Health Link STM -

Overseas Travel Medical - International Health Insurance for U.S. and non U.S. citizens traveling abroad is a new short-term medical plan. It can be purchased for 15 days up to 12 months, by anyone living or traveling internationally. U.S. citizens don't have to play against the odds when they travel overseas. Non-U.S. citizens can obtain affordable major medical protection while working in or visiting the U.S.
Convenient automatic acceptance and payment options for monthly or payment in full benefit periods and choose from medical expense limits of: $50,000, $100,000, $250,000 or $1 million.
Deductible choices of: $125, $250, $500, $1,000 and $2,500

The Competitor RX Copay Card - Click here for $10 or $20 select generic & brand name drugs. Mail Order Savings, Free Drug Program Info.
$21.95 single - $36.95 family.

According to the U.S. Census Bureau the number of individuals without health insurance continues to skyrocket. In 1998 alone, the number of uninsured Americans rose to 44.3 million! This staggering data reveals that almost 50% of the nation's low wage workers are without much needed health insurance.

Each month, individuals and families lose corporate sponsored health insurance, resulting from an unexpected job loss as more companies continue the trend to downsize. This scenario leaves the uninsured and his/her family faced with the prospect of paying the expensive premiums required for state continuation. State representatives and insurance regulators now realize the special need that is fulfilled by Short Term health insurance. Enabling legislation and regulations have been enacted that make this type of product an affordable and beneficial alternative for the consumer.

Our Short Term and Flex Term Medical plans offer comprehensive major medical coverage, with no prerequisite to join an HMO or PPO as most major medical coverage dictates. Freedom of choice of any doctor or hospital, flexible payment, deductible and coinsurance options and competitive premium rates add to the attractiveness of Health Plan Administrator’ (HPA) Competitor Series. Simplified underwriting, instant effective dates and, no waiting periods, are additional benefits included in the product design.

Since 1988, HPA has specialized in developing and administering domestic and international Short Term Medical products. HPA has targeted a niche in the health insurance industry that fills the unique needs of individuals at inflection points in their careers. Flex Term Medical is a comprehensive health insurance product that provides affordable health coverage for both the growing number of people in non-traditional jobs, including temporary and contingent workers less likely to receive health insurance from their employers, as well as people in career transition.

Flex Term Medical provides both individual and family coverage for up to three years and costs significantly less than traditional major medical insurance. HPA's plans offer quick and easy enrollment with simplified underwriting, instant approval and 48- hour policy issuance upon receipt of payment. HPA partners include several "A" and "A++" rated A.M. Best carriers to underwrite and distribute products.

The HPA Short Term and Flex Term Medical plans are perfect for:

· Self - employed professionals

· College students

· Recent graduates searching for a job

· New employee waiting periods

· Individuals looking for an alternative to COBRA

· Employees working for employers providing no health benefits

· Small business owners

· Independent contractors