Important Information

This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of pre-existing conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not “minimum essential coverage.” If you don’t have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month.

About Independence American Insurance Company

Independence American Insurance Company is domiciled in Delaware and licensed to write property and/or casualty insurance in all 50 states and the District of Columbia. Its products include short-term medical,  hospital  indemnity,  fixed  indemnity  limited  benefit,  group  and  individual  dental,  and  pet insurance.  Independence  American  is  rated  A-(Excellent)  for  financial  strength  by  A.M.  Best,  a widely  recognized  rating  agency  that  rates  insurance  companies  on  their  relative  financial  strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

Learn more about how Short-Term Medical products can provide the coverage and financial protection your clients may need. 





Questions? Please contact your representative today 339-832-1423 or enroll now!


Short-Term Medical (STM) insurance provides temporary health benefits for those in-between major medical coverage. Features include customizable policy lengths of 30 days to 364 days with 2 and 3 year renewal options available in some states, deductible and out-of-pocket options, and the availability of next-day coverage. Our suite of STM products includes:

Our lowest cost short-term medical insurance has carefully selected plan limitations which drive affordability through lower premiums.

Our standard STM product covers a range of benefits. Benefits include doctor visits, hospitalization and surgical services.

STM that provides a limited benefit of up to $25,000 for eligible healthcare expenses which are attributed to certain pre-existing conditions.

Available as Connect STM Extend and Connect Value Extend; allows for longer durations for STM, with no annual premium increases.

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Policy length varies by state.
Not for use in Wisconsin.

For producer use only. Not for consumer distribution or solicitation.

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