Short Term Medical
Health Insurance Plans
Comprehensive Nationwide Coverage for 3-12 Months
Short Term Medical Insurance Plans
Rates will vary greatly based on zip code, age, benefits, and term of coverage.
Affordable Monthly
High deductible, moderate coinsurance- $6000-$12,000 deductible
- 60/40 Coinsurance
- $10,000 out of pocket max
- No prescription benefit
- Nationwide coverage
Balanced Plan
Medium deductible, moderate coinusrance- $2500-$6000 deductible
- 70/30 or 80/20 coinusrance
- $5000 out of pocket max
- Prescription drug discounts
- Nationwide coverage
Highest Benefits
Low deductible, little or no coinsurance- $0-$2500 deductible
- 80/20 or 100/0 coinsurance
- $2500 out of pocket max
- Prescription drug copays
- Nationwide coverage
You don't have to decide now.
Contact us - we will help you evaluate your insurance goals and choose the most beneficial insurance plan for you.
Short Term Medical plans are great for bridging the gap between plans or to Medicare for 3-12 months
Short Term Medical Overview
Short Term Medical plans serve a very specific purpose: helping you bridge the gap between plans or when you are transitioning out of one plan and into Medicare. Our Short Term Medical plans all provide comprehensive medical coverage for doctors, hospitals, clinics, surgeries, and more. All of our plans offer nationwide PPO networks. We offer these plans from several different carriers so it’s best to reach out to us for a quote in order to find the best plan available in your state. These plans are medically underwritten, do not cover pre-existing medical conditions, and depending on your state can cover you for as little as 90 days or as much as 12 months (with the option to renew 2 more 12 month terms in a few states). You choose your plan deductible and coinsurance. Since these plans are limited term plans they are generally lower cost than ACA plans and TriTerm plans.
Short Term Medical Overview bulletpoints
- Comprehensive coverage for illness or injury
- Nationwide coverage
- 90 days to 12 months coverage
- Relatively low cost
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Who are Short Term Medical plans best for?
Because of their limited terms of coverage Short Term Medical plans are best for healthy nomads and families who want a good plan to protect against illness and injury claims for a short period of time. Did you recently retire? Are you moving to a new state? Launching a new nomadic lifestyle and not sure which state you will domicile in? Just need something to cover you until you reach Medicare eligibility? Buy yourself some time with a Short Term Medical plan.
Some of our clients have enrolled in a Short Term Medical plan strategically in order to gain nationwide coverage at a reasonable cost. This strategy has worked well for those that can get coverage for 12 months and renew it 1 or 2 times. Many states do not allow that though. If you want coverage for more than 12 months Consider TriTerm Medical instead, which is a more robust Short Term Medical plan that you can keep for almost 3 years.
Short Term Medical Candidates
Target Audience bulletpoints
- Healthy individuals and couples
- Need to bridge the gap between plans
- Want low-cost nationwide coverage for 3-12 months
Short Term Medical Pros and Cons
Pros
- Low cost
- Fairly comprehensive for illness and injury
- Nationwide coverage
- Easy application
- Get same or next day coverage
- Enroll all year
Cons
- Medically underwritten
- Only good for 3-12 months
- Some states don’t allow plans to be sold
- May not be able to renew
Other Plans Available
Want the best plan for you?
Why we are able to provide the best healthcare solutions for Nomads.
Nomad Insurance Group was created by nomads for nomads. Our founder, Kyle Henson, has been a full-time RVer since 2011 as well as an insurance broker since 2001. He has also been an avid long-trail backpacker and outdoor enthusiast his entire life. When you work with us you can rest assured that you will be working with someone who understands the lifestyle as well as the healthcare insurance industry. We are focused on education and service, not sales. Our aim is to give you the tools to research your options while providing guidance where requested.