Explore insurance options for your Short Term Needs. Short Term Medical Insurance (STM) is designed for the temporary times when you are in-between traditional health insurance coverage.
On the HAA Enrollment application, you can apply for the optional Group Short Term Medical Insurance Plan (group short term medical insurance requires HAA membership) or you can apply for the Individual Short Term Medical Insurance Plan (individual short term medical insurance plan does not require membership in HAA). Your home state determines group or individual short term medical insurance plan availability. With 1st or 15th of the month effective dates and coverage duration terms that range from 90 days to 364 days (depending on state laws and availability), Short Term Medical can help you bridge the gap in-between traditional insurance coverage.
Learn more or Contact Us for more information on Short Term Medical Insurance and how to get a quote or apply.
When a student graduates or is coming off their parents' plan and is in-between open-enrollments, Short Term Medical Insurance is a great fit to help continue coverage until employment group coverage or traditional insurance can be enrolled.
When in-between coverage start dates for a new job, Short Term Medical Insurance can help with the gap in coverage until the new group insurance coverage begins. It can also be a temporary alternative to expensive COBRA coverage after leaving a job.
ACA Enrollments only occur during a select time each year. Short Term Medical Insurance is perfect for in-between open enrollment windows when Special Enrollment qualifications do not apply.
When healthy and retiring early and are in need of a short term bridge before you are able to enroll in Medicare, Short Term Medical Insurance can be a budget-friendly option.
Group or Individual Short Term Medical Insurance plans are issued by
Pan-American Life Insurance Company
View this Group Short Term Medical Insurance brochure
for the following available states:
AL, AZ, AR, DE, FL, GA, IL, IN, KY, LA, MS, NE, NV,
OH, SC, TN, TX, VA, WV, WI & WY
Group Short Term Medical Insurance requires membership in Healthy America Association (HAA). The $15 HAA membership dues are separate from the Short Term Medical Insurance premiums. There is an additional $15/mo administration fee and/or a $25 one-time Enrollment Fee (admin and enrollment fees do not apply in all states). Your agent should discuss the breakdown of the total cost of your purchase which includes: premium, membership dues and any additional fees when quoting the plan and during the enrollment application process.
View this Individual Short Term Medical Insurance brochure
for the following available states:
MO, NC, & OK
Individual Short Term Medical Insurance does not require membership in Healthy America Association (HAA). There are no additional membership dues required unless you choose to add the $15/mo HAA membership. There is an additional $15/mo administration fee and/or a $25 one-time Enrollment Fee (admin and enrollment fees do not apply in all states). Your agent should discuss the breakdown of the total cost of your purchase which includes: premium and any additional fees when quoting the plan and during the enrollment application process.
Short Term Medical Insurance coverage is not major medical insurance. Short Term Medical plans are medically underwritten and generally do not cover pre-existing conditions. Short Term Medical Insurance coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act (ACA). When enrolling in a Short Term Medical Insurance plan, be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of pre-existing conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Short Term Medical Insurance policies/certificates might also have lifetime and/or annual dollar limits on health benefits. If this type of coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Short Term Medical Insurance is not Minimum Essential coverage as defined by the Affordable Care Act and may not cover all Essential Health Benefits in your state. Most states have a 10-day free look period (30 days for Indiana & Louisiana) for the Short Term Medical Insurance provided no claims have been filed.
There is no continuous coverage. It is not renewable. Although this short-term plan may be rewritten for new and completely separate Coverage Periods (depending on state laws). If another coverage period is desired, a new enrollment form must be completed with new Coverage Periods (as long as eligibility criteria is met). Coverage does not continue from one Policy to another. This means that a new enrollment Form must be submitted, a new Policy date is given, and a new Pre-Existing Condition exclusion period begins. Any medical condition which may have occurred and/or existed under a prior Policy will be treated as a new pre-existing condition under the new Policy. Some states vary in allowing re-enrollments. Check the brochure or enrollment application for details on coverage terms and re-enrollment availability for your state.
Plan details, benefits, provisions, definitions, limitations and exclusions could vary or may not be available depending on state. Make sure to review any policies/certificate or any additional state endorsements or riders to determine the full details of the coverage available in your state.
Healthy America Association (HAA) association benefits are not affiliated with Pan-American Life Insurance Company. Short Term Medical benefits are not dependent on the use of the association's providers. Healthy America Association is available without purchasing a Short Term Medical Insurance plan, however, you must be a member of the Healthy America Association in order to apply and enroll in the Group Short Term Medical Insurance issued by Pan-America Life Insurance Company. The master policy for the Group Short Term Medical Insurance plan is issued to the Healthy America Association and as a member of the HAA group, you have access to apply for this optional group insurance. The Group Short Term Medical Insurance is for use with out-of-state association groups and provides the association members and their dependents with medical coverage for a short term, limited duration.
Healthy America Association (HAA), Pan-American Life Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
Healthy America Association does not require members to enroll or purchase any group or individual insurance to become a member of HAA. The optional association group insurance or individual insurance is only available to members of HAA who have the desire to enhance their membership. All group association insurance offered through HAA is supplemental and does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage available is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Membership includes multiple non-insurance services and benefits, including access to insurance products.
Healthy America Insurance Agency Inc. is the exclusive marketer for the Healthy America Association.
Agency CA License 0G32190