Temporary Health Insurance
Short Term Medical Insurance for Residents of Minnesota, Wisconsin and Texas

If you are between jobs, waiting for employer group coverage, laid off, on strike, a recent college graduate or seasonal employee, you may be interested in Fortis Health's Short Term Medical insurance. Short Term Medical is a temporary health insurance plan that offers coverage for 30 - 365* days. Fortis Health is the nation's leading provider of Short Term Medical (STM) insurance. In fact, Fortis Health introduced the industry's first Short Term Medical plan in 1973.

No one plans to have an unexpected illness or accident happen to them.       

But let's face it - the unexpected does happen. That's why going without health insurance, even for a short time, puts you or your family at serious financial risk. Consider this - a basic knee injury could cost up to $12,000** of your hard earned money.

Don’t take the chance! Short Term Medical from Fortis Health provides affordable, health coverage that protects you or your family for only dollars a day.

Short Term Medical is a temporary health insurance plan (30 - 365 days*) designed for people who are between permanent health plans. Whether you are:

•  Between jobs,
•  Waiting for employer group coverage,
•  A temporary or seasonal employee,
•  A dependent falling off your parents' plan,
•  A laid-off, striking or terminating employee,

Short Term Medical can provide you with the peace of mind you deserve.

*Some states may vary in the number of minimum days offered.
(Minnesota Short Term Medical 30-185 days)
(Texas Short Term Medical 30-365 days)
(Wisconsin Short Term Medical 30-365 days)
** Based on 1997 Fortis Health Short Term Medical claims

Here’s How The Plan Works 

You choose the plan that best meets your needs and budget! Simply select your deductible and length of coverage. Since this plan is not an HMO or PPO, you choose your own doctors and hospitals.

First:  You pay the deductible for each person.

Then:  Once the deductible is satisfied, Fortis Health pays 80% of the next $5,000 of covered expenses. You pay the remaining 20%.

Thereafter:  Fortis Health pays 100% of remaining covered expenses up to the plan maximum of $2 million for each covered person.

Who Is Eligible For This Plan?

    •  Healthy individuals between the ages of 15 days and age 64 and 10 months - Minnesota 
         (64 and 11 months in Texas and Wisconsin), who have a temporary insurance need. 
    •  Dependent children through age 20 (age 24 if full-time student) maybe covered as 
         dependents on their parent’s plan. 
    •  Foreign residents living in the U.S. For at least one year with proof of an Alien 
         Registration Receipt Card, Green Card, Visa, or other appropriate documentation.

Plan Highlights

    •  $2 million coverage maximum per policy period
    •  Freedom to choose your own doctors and hospitals
    •  Prescription drugs
    •  Excellent in-hospital and outpatient benefits
    •  Semi private room and board
    •  Intensive care
    •  Lab and x-ray
    •  Ambulance service
    •  Managed care/pre-authorization procedure
    •  Maximum family deductible equal to three times your individual deductible amount
    •  Extension of Benefits Plus* - 60 day / $1000 benefit for non-disabling conditions
    •  No association fees

* Coverage maybe extended beyond your policy period. See your policy for details.

Money Back Guarantee!

If you are not 100 percent satisfied with the plan, you may return the contract within 10 days of delivery for a full refund. No questions asked!

for an “online” quote and / or application