Short Term Medical

Short Term Medical  


At a Glance

Unexpected illnesses and accidents happen every day, and the resulting bills can be disastrous! Until you enroll in permanent coverage, safeguard your financial future with Short Term Medical temporary insurance. It provides the peace of mind and health care access you need at a price you can afford.

The Short Term Medical plan provides coverage for individuals and families and is ideal for those who are:

  • Between jobs
  • Recent college graduates
  • New employees waiting for employer benefits to begin
  • Temporary and seasonal employees

Plan Highlights include:

  • Short Term Medical is available in 44 states and DC (excluding NY, NJ, VT, MA, CT and NM).
  • Coverage available from 30-360 days (varies by state)
  • Coverage can be obtained as early as the next day
  • Just a few health questions to answer
  • $2 million maximum coverage
  • Individual and family coverage available
  • Freedom to choose doctors and hospitals – not a PPO or HMO
  • In-hospital and outpatient benefits
  • Prescription drug coverage
  • Flexible plan designs of coinsurance, deductible and payment options that best meets your needs and budget
  • Single or monthly payment options by credit and debit card, check,

 Obtain additional plan information, quotes and apply online. By clicking the “Apply Now” link you will be leaving your association’s insurance program web site and will be redirected to the linked site owned and operated by Assurant Health, who is solely responsible for its’ content.

See the insurance contract for a complete listing of plan benefits, limitations and exclusions. The Assurant Health Short Term Medical insurance plan contracts are 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

We're here to help! Please contact us in whatever manner is most convenient for you.

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


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

  • 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;
    • 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, or are looking for a plan with broader coverage, chances are you want an individual medical plan.

  • How do I apply?

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

  • What is the difference between the monthly and single payment options?

    If you know the exact number of days coverage is needed, you can save 20%when you choose the single payment option and make a one-time, up-front payment. For example, if you know you have a 90-day waiting period before you're eligible for health benefits through your employer, this payment option is ideal. Note: Refunds are not available after the 10-day free look period.*

    If you want flexibility or are unsure how long coverage is needed, you can pay as you go with the monthly payment option. Then simply contact us to stop payments and discontinue the plan once your temporary need ends.

    * Varies by state.

  • Do I need to take an exam?

    An exam is not required.

  • What if I need help?

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

  • If I choose the monthly payment option, how will I be billed?

    If you make your initial payment by:

    • Automatic credit card or bank debit- Your first payment and all subsequent monthly payments will be automatically debited from the credit card or checking/savings account information provided. Your first payment will be debited on the day you submit your application. Subsequent monthly payments will be debited starting 30 days after your requested effective date and will continue every 30 days until you have reached a total of 180 or 360 days of coverage (depending on the plan you selected). If your temporary need ends early, simply call 800-800-5453 or e-mail us and we will stop the automatic credit card debit of future payments. Note: Seven days advance notice is required to ensure future debits are stopped.
    • Check- You will receive a sheet of payment coupons via the U.S. Postal Service for all subsequent payments. Each month, mail your check with the coupon to Assurant Health. Each coupon pays for an additional 30 days of coverage. Note: No lapse notices are sent.

      Coverage up to 12 months (360 days) is not available in all states. This Web site will only provide you with the ability to purchase the length of coverage available in your state.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.