Effective 9/1/2024 short-term insurance plans will be limited to just 4 months and offer no renewal option with the current insurance provider. Should you experience a major medical health issue, you will NOT BE ABLE TO ENROLL in another Short-Term Medical Plan.  In addition, unless you have a Special Enrollment Period (SEP), you will not be able to enroll in a Healthcare.gov plan until the following January.  PLEASE DO NOT ENROLL IN A SHORT-TERM MEDICAL PLAN UNLESS YOU KNOW YOU ONLY NEED COVERAGE FOR NO MORE THAN 4 MONTHS.

​

​

​

 

Some of the benefits of Short Term Medical Plan coverage:

​​

• National Preferred Provider Networks 

• ATTRACTIVE MONTHLY PREMIUMS

• Deductibles from $2,500 to $25,000  PROTECT YOUR DEDUCTIBLE WITH AN ACCIDENT PROTECTION PLAN

• No referrals to specialists required

• Flexible plan terms with up to 364 days of coverage

• Protection from unexpected injuries and emergencies 

 

​Important information regarding Short Term Medical Plan coverage:

​

• Illness is NOT covered for the first five days of the enrollment period

• Pre-existing conditions are not covered

• There are 6 health questions you must answer including height and weight guidelines

• Prescription drugs are NOT covered - Visit GoodRX.com for assistance

• Mental Health and Substance Abuse are NOT covered

• Maternity is NOT covered

• Chiropractic care is NOT covered

• Wellness benefits are NOT covered

• Coverage is available for no more than 4 months.  This means these plans offer health insurance protection for a limit of no more than four months (maximum length of term of your application).  This means that once your Short-Term Medical plan expires you will no longer have health insurance protection with United Healthone.

• Please note that LSM INSURANCE ASSOCIATES WILL ONLY WRITE SHORT TERM MEDICAL PLANS FOR INDIVIDUALS THAT NEED COVERAGE FOR LESS THAN 4 MONTHS.