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.