We are a New Orleans LA & Gulf South Agency and provide front door service to the following areas: New Orleans, Jefferson, Metairie, Kenner, River Ridge, Gretna, Marrero, St. Tammany, Covington, Mandeville, Slidell, Chalmette, St. Bernard, Houma, Thibodaux, Lafouche, Terrebone, Laplace, St. Charles & More!
Short-Term Medical (STM) insurance allows you and your family to purchase quality, affordable major medical coverage on a temporary basis. Coverage is provided for physician services, surgery, outpatient and inpatient care.
Who needs this type of coverage?
Short Term Medical Insurance is an ideal, affordable type of medical insurance for those who are: unemployed, self-employed, in between jobs, recent college graduates, in need of an alternative to COBRA.
Who qualifies for STM?
STM is offered to members and their spouses under age 65 and their dependent children under age 19 (or under age 25 if a full-time student) who can answer 'No' to the health questions on the application. Children age 19 and over should apply separately. Child only coverage is available for ages 2 through 18.
When does my coverage start?
The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on termination date listed in your policy.