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.
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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
