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	<title>New answer on: Does Short Term Health Insurance Work?</title>

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		<title>By: Bob Vineyard</title>

		<link>https://insurancelibrary.com/health-insurance/does-short-term-health-insurance-work</link>

		<dc:creator>Bob Vineyard</dc:creator>

		<pubDate>Mon, 08 Apr 2013 13:20:47 +0000</pubDate>

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		<description><![CDATA[STM (short term medical) insurance is real major medical insurance . . . but with some limitations.

STM plans do not cover any pre-existing conditions.

The application process is simple, usually 5 yes/no questions or less.

A &quot;yes&quot; answer is an automatic disqualifier.

Most STM plans have a simple design of a deductible then coinsurance. A few have copays. Every one I have seen includes an Rx discount plan and some have PPO networks.

Benefit periods are on a month to month basis with most plans issuing a maximum of 6 months although a few offer 12 month policies.

When the benefit term expires so does your coverage. There is no renewal. Instead you apply for a new plan with new underwriting and new pre-existing limits.]]></description>

		

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