Policies designed for the way you live. It's easy to see why our Short Term Health and Supplemental Insurance Coverages makes sense for millions of Americans.
Why Short-Term Medical (STM)?
Short-Term Medical pays benefits like a major medical insurance plan, but for a predetermined length of time. You can select from a wide range of deductible and coinsurance options to tailor a plan to fit their lifestyle needs and budget.
Aspen - Learn more
Life Shield STM - Learn more
United Health Care - Tri-Term Medical
The IHC Group
The Accidental Death and Dismemberment, Accident Medical Expense Benefit, and Critical Illness insurance are subject to the terms, definitions, condition, exclusions and limitations of the group policy. All members of MSGA are eligible to receive these benefits. Coverage becomes effective on the date provided in your membership material.
Limited Medical Plans
The benefits are straight forward. There are no copayments or deductibles, and the plans pay regardless of coverage under other insurance plans. The optional provider network* offers participants access to a wide selection of health care providers and hospitals across the country at a negotiated discount, which can add up to valuable savings.
Legion Limited Medical - Learn more
United Health Care Hospital Indemnity
Critical Illness Plans
Safeguard Critical Illness policy pays lump sum cash benefits for a first diagnosis of one of the Specified Critical Illnesses shown in the chart below, subject to any limitations, reductions and exclusions set forth in the policy.
Safeguard Critical Illness
United Health Plans Critical Illness
Utilizing The Aetna Dental Access® Network
Members of the program have access to a national network of over 226,000 available dental practice locations through one of the largest dental discount networks in America, the Aetna Dental Access® Network. Participating dental locations provide savings that range from 15-50%* per visit, on average, on dental services including cleanings, x-rays, fillings, root canals, crowns, bridges and orthodontia.
Cancer Care Plans
Pays cash directly to you or your loved ones when you need it most.
Ancillary Products and Plans
Pays benefits directly to you when you are totally disabled and cannot work, for up to two years.
Safeguard Accident Insurance
Safeguard Accident Insurance policy will reimburse Medical Expenses for a covered Accidental Bodily Injury, subject to any limitations and exclusions set forth in the policy.
Other Supplemental Products and Services
Smart Health Options.com
SHORT TERM HEALTH OPTIONS
18-64 and child coverage policies from 2-25
Short Term Medical Plan(STM)
is great for those who:
1) Are between jobs or have been laid off
2) Are waiting for employer benefits
3) Have part-time or temporary employment
4) Have recently graduated
5) Are without adequate health insurance