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National General STM – State Specific Rewrite and Multiple Application Rules

National General STM

For the short term health insurance effective January 2018, you can apply for four, three-month STM plans in one application. When you apply once for Standard Issue Short Term Medical, you are guaranteed eligibility for three more consecutive plans.

  • You must attest to eligibility for all four plans 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.

The above options are not available in: CO, CT, ID, KS, MD, MI, MO, MT, ND, NV, SD, TN and WI.

State Specific Rules:

  • Colorado:
    • A maximum of 2 plans with any carrier in 12 months before a 6 month gap is required for another STM plan.
  • Connecticut:
    • Limited to 1 STM plan. No Rewrites allowed.
  • Idaho:
    • Limited to 1 STM plan. No Rewrites allowed. (must wait 64 days before reapplying)
  • Kansas, North Dakota:
    • Limited to 1 Rewrite.
  • Maryland, Missouri, South Dakota, Wisconsin:
    • There must be a 63 day gap in coverage from any health insurance plan in order to obtain a National General Accident & Health STM Policy.
  • Michigan, Nevada:
    • Limited to 185 days of STM coverage with National General in any 365 day period (185 days of coverage does not need to be consecutive.)
  • Montana:
    • STM x 2 only.
  • Oregon:
    • Limited to 12 consecutive months of STM coverage before a 60-day gap in coverage is required.
  • Tennessee:
    • The applicant must wait 30 days from the last day of coverage before reapplying.

Short Term Medical plans offer affordable medical coverage but are medically underwritten. They do not provide Minimum Essential Coverage as mandated by the Affordable Care Act, which means customers may still be subject to a tax penalty. Pre-existing conditions that occurred during the look-back period will be excluded.

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