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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.

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Simple short term medical

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: I just need medical coverage for a few months in case of a really big medical problems like an auto accident or injury. I do not need prescription coverage or doctors visits. Also, I want to be sure that I do not need to get a pre-authorization to use the insurance. What is my best option?

A: The insurance plan known as "Simple STM" is designed exactly as you describe. It provides solid inexpensive "plain vanilla" medical coverage on a month to month basis as needed, up to 12 months. All of the details and enrollment are available online.


More resources:

"Review of Simple STM"