The IHC Group Short-Term Medical Insurance

Company Description

The IHC Group is an organization of insurance carriers, and marketing and administrative affiliates that has been providing life, health, disability, dental, and vision insurance solutions to groups and individuals for over 30 years.

Product Description

Short term medical (STM) plans offer a temporary solution when a life transition leaves you uninsured. Plans are available online and are active within 24 hours of applying. Short term medical coverage usually lasts for as few as 30 days and up to 364 days in some states.

What does Short-Term Health Insurance cover?

Covered expenses for temporary health insurance plans generally include the high-dollar, unexpected care and treatment you may require as a result of an illness or injury – from a serious medical event like a heart attack or stroke to a broken leg or doctor’s office visit due to illness. 

Pros of Short-Term Health Insurance Coverage:

Short term medical monthly insurance premiums are typically less than major medical premiums, 31.5% less on average. However, STM has less coverage and does not qualify as an ACA plan.


Apply year-round – There is no official open enrollment period and, in most cases, coverage begins the next day after you enroll online.


Don’t pay for coverage you don’t need – Plans are highly customizable; you can choose from various health benefit levels.


Keep Your Doctor – No provider network limitations means you can visit your preferred health care provider.


Short term plans can be used alongside other supplemental insurance options such as a hospital plan, dental plan or a prescription drug card (not an insurance product).