Medical: Short Term, Travel

Have you ever moved  from one job to another and do not want to deal with either the cost or administrative burden of COBRA; graduating from college; wanted to cover a short term of medical risk while deciding on future coverage?

Short term insurance is designed to meet these types of needs. STM (short term medical) can be written for as little as 30 days up to 6 months, in Colorado. This type of coverage is catestrophic in nature and therefore tends to be quite inexpensive.

Will your existing medical plan cover you overseas, or even traveling to another country on the same continent. Most people are surprised to learn that their domestic coverage offers only limited non-domestic coverage, mostly restricted to emergency care reimbursement.

What is commonly called travel insurance is actually much more than that. Most modern plans provide medical coverage for as little as 15 days and can be extended for years of overseas residency. In addition, international coverages can be supplied for people from another country traveling into and staying in the USA for extended periods. These policies also provide for a  range of ancilllary coverages such as trip interruption, luggage coverage, repatriation of remains, emergency reunion, and foreign language service for bill reconciliation.

With international coverage, it is important to know the carrier and its track record for payment of claims.

If you'd like more information, fill out the contact form.