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National General STM - State Specific Rewrite and Multiple Application Rules

National General STM

As of October 2, 2018 and after you can apply for short term medical coverage that is less than 12 months long. In most states, coverage effective after this date may be renewed up to 36 months.

There are some requirements for every state:

  • You must attest to eligibility at the time of your initial application.
  • Your pre-existing condition look-back period will be based on the first policy's effective date.
  • Deductibles and out-of-pocket maximums are reset with each new policy term.
  • If you no longer need the coverage, you can cancel at any time.
  • You must complete the required attestation and pay your monthly premium payments on time in order to remain eligible for all plans.
  • The premium of the first policy will be drafted immediately.
  • The first premium on the subsequent policies will be drafted 5 days prior to the effective date of new policy term.
  • New ID cards and policy packets will be provided with each policy term.
    • Applicable policy packets and ID cards will be made available on the member portal upon receipt of first month's premium for each subsequent term;
    • Member ID will remain the same for all policy terms; and
    • New effective date will be noted on the ID cards.
  • The 10-day free look period applies to all plans.
  • Customers will not be eligible for the subsequent consecutive short term policies if:
    • The current policy terminates due to nonpayment;
    • They call to terminate the current policy; or
    • They have not completed an application verification online or via telephone.
  • Reinstatements will not be accepted. Customers must reapply for coverage.

State Specific Policy Durations

Your resident state determines the maximum length of initial coverage allowed. If you do not see your resident state listed below, then that state does not allow short term medical coverage for this plan.

364 Days

Alabama, Arkansas, District of Columbia, Florida, Georgia, Idaho, Kansas, Kentucky, Louisiana, Mississippi, Nebraska, New Mexico, North Carolina, Ohio, South Dakota, Tennessee, Texas, Virginia, Wisconsin, and West Virginia

11 Months

South Carolina

6 Months

Arizona*, Colorado*, Illinois, Missouri*, Montana, Nevada, North Dakota*, Oklahoma*, Utah*, and Wyoming*

3 Months

Indiana*, Iowa, Oregon

3 Months (minus 1 day)


*These states have the ability to purchase a consecutive 3 or 6 month plan.

State Specific Rewrite Limits:

The states below have specific limitations that are applicable only in that state.

  • Colorado
    • A maximum of 2 plans with any carrier in 12 months before a 6 month gap is required for another short term medical plan.
  • *Sales are not available for effective dates on or after January 1, 2019.

  • Idaho
    • Limited to 1 short term medical plan. No Rewrites allowed. Must wait 64 days before reapplying.
  • Illinois
    • Requires 60 day gap in coverage from a National General STM plan in order to obtain another National General STM policy.
  • Kansas
    • Limited to 1 Rewrite.
  • Maryland and South Dakota
    • Requires 63 day gap in coverage from any health insurance plan to obtain a National General STM policy.
  • Nevada
    • Limited to 185 days of short term medical coverage with the same plan administrator in any 365 day period. 185 days of coverage does not need to be consecutive.
  • North Dakota
    • The applicant must have at least 1 day gap between plans.
  • Oregon
    • The applicant must wait 60 days from the last day of coverage before reapplying.
  • Tennessee
    • The applicant must wait 30 days from the last day of coverage before reapplying.
  • Wisconsin
    • Requires 63 day gap in coverage from a National General STM plan in order to obtain another National General STM policy.

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