S T M S a l e s 1 0 1 :

What is short-term medical coverage?

What conclusions can we draw from the graph above?

Short-term medical coverage is a type of health insurance designed to help bridge gaps in your clients’ health coverage for a specific period of time, typically anywhere from 30-364 days.

“Among non-offering firms with 50 or fewer full-time employees that looked at coverage but chose not to purchase on an exchange, 70% reported they did not do so because the plans were too expensive.” 1 Consumers without employer group coverage and/or who are waiting for their marketplace coverage to begin need a cost-effective solution.

^ Flexibility in length of coverage and in cost

^ Variety of deductible and coinsurance options

^ Low copay options

^ Ability to cancel at any time without penalty

^ Pay benefits like traditional major

medical plans

^ Provide wellness options

Note: STM coverage does not provide the minimum essential health benefits required by the Affordable Care Act (ACA).

Who might want to consider short-term medical coverage?

Short-term medical coverage could be an option for your clients who are facing life-altering transition periods such as:

^ Pre-Medicare retirement

^ Change in employment status

^ Missed Open Enrollment

^ Rolling off parental insurance

^ Bridging a gap in your major medical coverage

(Check all that apply)

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What does STM coverage provide?

Your clients can look forward to:

F l e x i b i l i t yProvide them options of coverage cost and length

that can help address their health realities

P r o m p t a p p r o v a lEnroll them when they need to secure coverage and

receive proof of insurance quickly

A f f o r d a b i l i t yOffer them cost-effective rates

Name: Date:

We work with carrier partners that provide relatively inexpensive options such as:

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LEARN MORE TODAY BY: Calling 1.877.376.5831 and selecting option 3

Emailing salessupport@hiiquote.com

^ Exclusive coverage with reapply options

up to 36 months

^ A+ A.M. Best carrier ratings

^ Next day coverage

^ No waiting periods

^ Deductibles as low as $250

^ Relatively inexpensive individual and

family coverage

^ Guaranteed acceptance coverage

^ Unlimited low-cost doctor and specialist copays

^ Open network of physicians, specialists,

and hospitals

T H E S E T E M P O R A RY P L A N S C A N O F F E R : T H E S E P L A N S C A N A L S O :

Grow Your Portfolio Options Today

2010

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10%

20%

30%

40%

50%

60%

70%

80%

2011 2012 2013 2014 2015 20162010 2011 2012 2013 2014 2015 2016

69%

60% 61% 57% 55% 57% 56%

S e c u r i t yHelp to provide them with a sense of security

as they bridge their health coverage gap in

times of transition

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1. 2016 Employer Health Benefits Survey from The Kaisr Family Foundation: http://kff.org/report-

section/ehbs-2016-section-two-health-benefits-offer-rates/

References:

For agent use only – not for use with the public.

What are some downsides of STM coverage?

^ Does not cover pre-existing conditions

^ Does not count as minimum essential coverage required by the Affordable Care Act

^ Having this coverage could prevent your client from qualifying for COBRA or HIPPA

While short-term medical coverage can be a suitable option as insurance coverage, there are a few shortcomings.

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