Short Term Medical

Short Term Medical  


At a Glance


Are you between jobs? Or perhaps a recent college graduate looking for that first job? Then chances are you're in need of temporary medical insurance until you become part of an employer's plan.

The Short Term Medical Plan provides comprehensive, temporary medical coverage at a reasonable price. It's an affordable plan that gives you peace of mind knowing you won't have to worry about the cost of health care. You select the coverage period that fits your situation.


Temporary Health Insurance for 180 days*

  • Ideal for people who are between jobs, waiting for employer group coverage, recent college graduates or anyone else who is experiencing a gap in coverage
  • Nation's leading seller of short term medical insurance
  • Coverage as early as the next day
  • Freedom to choose your own doctors and hospitals
  • Prescription drug coverage included no additional fee like some other carriers charge
  • $2 million coverage maximum per policy period
  • Flexible payment options: single or monthly
  • Coverage for persons up to 64 and 11 months most other carriers only offer coverage up to age 62 or 63
  • Obtain insurance for the exact number of days coverage is needed other carriers require you to obtain preset coverage lengths (i.e., 30, 60, 90 or 120 days)
  • 12 month extension of benefit if hospitalized
  • Extension of Benefits Plus (60 day/$1000 benefit for non-disabling conditions)
  • Satisfaction guaranteed 10-day free look
  • Plans available in 44 states

*Varies by state.

Plan availability varies by state. See the insurance contract for a full explanation of plan benefits, limitations and exclusions. 

Assurant Health is the brand name for products underwritten and issued by Time Insurance Company.


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Where available: Coverage is available in most states, but plans may vary depending on individual state laws.




Type of Insurance: Short Term Medical

Designed For: Health insurance for a limited period of time

Underwritten By: Assurant Health

Payment Options: Credit Card, Monthly EFT, or direct bill


This website contains a summary of the insurance policy provisions. If there is a conflict between this site and the actual insurance policy, the insurance policy language will control.

Contact Us

 Program Administrator
Mercer Consumer
540 West Madison Street,
Suite 1000
Chicago, IL 60661
 M-F 8:15a-5p CT
 Insurance Company Address
Assurant Health
501 West Michigan
Milwaukee, WI 53203


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Can I put my premium payments on my credit card?

    Yes, you can pay your premiums using your Visa or MasterCard. You can also pay your premiums through monthly EFT, direct bill or through most online bill pay services. Another option is to prepay your insurance for a desired period of time say three months.

  • Do I have to meet with an insurance agent?

    Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like. Please click the Forms and Links section for the toll-free number.

  • Do I need to take an exam?

    An exam is typically not required. But depending on the specific plan you're interested in, you may need to provide evidence of good health before the insurance company approves your policy.

  • How do I apply?

    Click here to get your personalized instant quote or to apply online.

  • How do I know if a Short Term Medical Plan is right for me?

    The following questions will help you determine what kind of coverage you need. Are you:

    • Between jobs;
    • Newly employed and waiting for your group coverage to begin;
    • Graduating from college or a recent college graduate;
    • A temporary or seasonal employee;
    • A dependent no longer covered under your parents' plan;
    • On strike, laid-off or a terminated employee;
    • A part-time or temporary worker;
    • Looking for a lower-cost alternative to COBRA or more comprehensive health insurance; or
    • Unable to afford other coverage?


    If you answered YES to any of these situations, a temporary Short-Term Medical plan may meet your health-insurance needs. If you do not fit into one of these categories, chances are you want an individual medical plan.

  • What if I need help?

    You can speak to a licensed insurance agent by calling 1-877-249-7868.


Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.