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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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36 month short term medical insurance

originally posted: 1/24/2006   revised: 8/8/2011

Q: I need short term medical insurance for my wife, age 63, for about 26 months until she becomes eligible for Medicare. I am concerned that if a medical condition develops, she will not be eligible to reapply for a short term medical insurance policy.

A: Excellent coverage is available with a simple online application. The short term medical insurance listed under the brand name "Secure STM" at Freedom Benefits is available for up to 36 months. The insurer is one of the most reputable in the nation. Actually this is a 12 month policy that is automatically renewable for up to 36 months without the need to reapply. The price is about half of the cost of regular long term health insurance and guarantees that she will remain covered until Medicare takes over. This policy is available in 23 states including AK, AL, AR, AZ, DC, DE, FL, GA, HI, IA, IL, MO, NE, NM, OH, OK, OR, PA, SC, TN, VA, WI & WY.

Since the original date of publication, the maximum length of short term medical insurance was reduced to 12 months. It may be possible to string several types of policies together for longer periods of coverage if necessary.

As of December 2010 short term major medical insurance can now be issued for only up to 6 or 12 months at a time (depending on specific state law).

More resources:

Secure short term medical insurance