Contact your agent when it’s time to reapply for coverage. Here are some things to keep in mind:

  • There must be a 2-day break in-between all STM reapplications. (See below for exceptions.)
  • There is no continuous coverage even between different carriers.
  • You must requalify with a new application.
  • If approved, you will receive a new effective date, a new pre-existing conditions clause, new deductibles, and a new coinsurance maximum.
  • You are not “renewing” the STM, as there is no guarantee of approval.

The following states have specific rules all individuals must abide by:

  • Colorado: You must wait 6 months before you can reapply for new STM insurance, if you have been insured under 2 or more STM policies in the last 12 months.
  • Maine: You must wait 6 months before you can reapply for new STM insurance, if you’re combined prior STM policies equal 11 months or more.
  • Michigan: You must wait 6 months before you can reapply for new STM insurance, if you have been insured under STM coverage for 185 days or more in the last 365 day period.
  • Nevada: You must wait 6 months before you can reapply for new STM insurance, if you have been insured under 3 or more STM policies in the past 12 month period.
  • New Hampshire: If you have been insured under 2 or more STM policies in the past 12 months, you must wait 12 months from the termination date of your first STM policy before you can reapply.
  • Oregon: You must wait 60 days before you can reapply for new STM insurance.
I would like to reapply for my short-term medical policy. How do I submit my reapplication?

You May Also Like

Leave a Reply

Your email address will not be published. Required fields are marked *