Smart STM/Markel

Smart Short Term Medical has a very simplified process for applying for temporary health insurance plans. They have a great comparison tool so that you can see the differences in prices for different plans in an easy to understand format. Their policies cover individuals and families for any new injury or illness. Pre-existing conditions and prescription drugs are not covered. They have some of the best rates of any plans. Their customer service has always been great. If any of my clients ever had any questions or concerns about their coverage they were always available to solve anything in a timely manner. Their policies are available for up to 6 months depending on which state you live in. Markel short term medical insurance plans cover clients anywhere that they need to go. There is no network of doctors or hospitals that people need to see. New illnesses and injuries are covered subject to a deductible and coinsurance. This is how all insurance plans used to cover people. Just because an insurance plan does not offer copayments for doctor visits does not mean it is not good coverage.

Often people do not need to go to a doctor more than once or twice each year. In those instances, the differences in the premium more than makes up for the cost of a doctor visit out of pocket. These plans are often up to 70% less each month than plans with copayments. That savings is significant and will allow you to pay for your own doctor visits until you meet the deductible of your policy. If you only need coverage for a short period of time the Smart STM plan is going to meet your needs at the lowest cost. You can apply online and get coverage as early as midnight tonight. Get a quote and apply in less than 5 minutes. If you have questions, please contact us and we will be glad to help you get the information that you need to make the decision you need to make. Insurance cards are emailed to you instantly in case you need proof of insurance for whatever reason. It's great for people between jobs, kids going to camps, or seniors waiting for Medicare coverage to start. It's a great way to keep coverage for major medical expenses while saving a lot of money over other health insurance plans. Compare benefits of Markel/Smart STM today for peace of mind.

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