STM product for individuals or families - providing nearly 12 months of coverage with a one-time purchase of four certificates (back to back) which provide consecutive coverage without gaps in coverage.
Advantage of Back-to-Back Policies: While the deductible, any applicable coinsurance, out-of-pocket responsibilities and plan benefit maximums start over with each subsequent coverage term; any medical conditions arising and eligible to be covered under the initial (first of the four back to back certificates/policies) STM term, will be covered under the subsequent new certificates/policies, subject to plan limitations. Again, there are no medical questions to qualify or new waiting periods after the initial (first) STM coverage term enrollment.
Deductibles: $1,000 to $10,000 - Coinsurance: 70/30 or 80/20 - Max Benefits: $100,000 to $1,000,000
A+ rated insurance carrier - Online enrollment
those traveling abroad or into the U.S. needing Medical coverage