A Recent Grad?

• You may no longer be eligible for your parents' health insurance.
• If you have an accident or unexpected illness your medical bills will be a big financial burden.
• For a low cost premium you can have a short term major medical plan that pays those bills.
• Premiums for a short term major medical plan are typically lower than for a longer term individual health plan.
• These plans will last up to 6 months or 12 months.
• You can bridge the gap with protection against those medical bills.
• Compare our short term medical plans. See plans available in your state by selecting it in the drop-down box at right.

A Graduate Student?

• If you need medical insurance, check these plans: the Fairmont Premier Select STM and the Standard Security STM. These plans will last up to 12 months. And our 12x3 plan offers up to 36 months of continuous coverage; no need to apply for a new policy. See plans available in your state by selecting it in the drop-down box at right.
• These temporary (short term) medical plans are great if your school requires you to have
  health insurance.
• The medical costs of an accident or unexpected illness would be a financial burden if you
  do not have health insurance.
• Compare our short term medical plans. See plans available in your state by selecting it in the drop-down box at right.

Between Jobs or in a Waiting Period?

• If you are paying for COBRA benefits, your premiums are high.
• If you are in good health, these plans offer a low cost alternative medical insurance plan.
• Not on COBRA? You can bridge health coverage from employers with one of these plans.
• These plans will last up to 6 months or 12 months.
• Compare our short term medical plans. See plans available in your state by selecting it in the drop-down box at right.

A Temporary or Seasonal Employee?

• Chances are you do not have access to an employer health insurance plan.
• You are at risk for an accident or unexpected illness. Medical bills can be a financial burden.
• If you are in good health, you can enroll in a low cost medical insurance plan to protect
  you and your family during this time.
• These plans will last up to 6 months or 12 months.
• See Plan Comparison for these plans. See plans available in your state by selecting it in the drop-down box at right.

Self-Employed?

• If you are starting your own business, you may have lost your company sponsored medical insurance.
• Your cash flow may be “tight”.
• If you are healthy, a short term health insurance policy is an affordable alternative to costly individual medical policies.
• A short term medical policy covers physician services, hospital charges and auxiliary services in case of accident or illness.
• The plans offer coverage up to one year (in most states). The 12x3 plan can be continued up to 36 months.
• Compare our short term medical plans. See states available in your state by selecting it in the drop-down box at the right.

Looking to Insure Your children for a Short Time?

• Due to unusual circumstances, your children may lose coverage under a company sponsored plan.
• Having no health insurance for your dependents poses a financial risk to you
• The chances of an accident or illness continue after the coverage ends.
• Our short term medical policies offer child-only coverage for ages 2 through 18.
• Well care and routine physical check ups are not included in the benefits.
• The plans offer coverage up to one year. The 12x3 plan can be continued up to 36 months.
• Compare our short term medical plans. See states available in your state by selecting it in the drop-down box at the right.