These are true stories of individuals whose lives have been forever changed by having a Short Term Health Insurance policy.

A 51-year-old developed Benign Neoplasm of Maninges, a tumor that forms on membranes that cover the brain and spinal cord just inside the skull. They suffered from eye and ear pain and lost 70 lbs due to the disease. Doctors surgically removed the tumor and their insurance carrier covered all costs.


A 64-year-old individual began seeing flashing lights with disorientation and headaches. Their doctor found a mass on the left side of their head. Doctors then performed a Craniotomy and revealed grade 4 Glioblastoma, a fast growing brain tumor that develops from the cells that support healthy nerves. The policy-holder underwent Radiation treatment followed by chemotherapy with charges paid according to their plan benefits.


A 59-year-old was diagnosed with cancer and their insurance plan has paid $40K thus far.


A 21-year-old dependent went to the hospital complaining of abdominal pains. They were subsequently diagnosed with Acute Myeloblastic Leukemia, and have since received numerous blood transfusions, vented, bone marrow biopsy, and has started chemotherapy. Their Short Term Medical Insurance has has paid over $400k.


A 26-year-old noticed a change in their stool and noticed some bleeding. After a Catscan was preformed, they were diagnosed with invasive disease of rectum, multiple hepatic metastases. They began 12 cycles of chemotherapy and so far the plan has paid over $125k.


A 64-year-old discovered a mass on their neck and went to their Primary Care Physician. They were diagnosed with Malignant Neoplasm of base of tongue and began a combination of radiation and chemotherapy. The plan has already paid over $23k in claims and is expected to pay a total of $200k in claims.


A 21-year-old was diagnosed with Leukemia during their 3rd STM policy.  Between the 3rd and 4th policy, the plan paid $310K on billed charges.


A 26-year-old was in a boating accident. The TPA for the claim has provided expert support to protect the policyholder from egregious billing practices and the insurance policy has paid $33K.


A 55-year-old was diagnosed with Leukemia and their insurance plan has paid $25k thus far.


A female policy-holder had to have surgery and her insurance policy paid $26k per contract. Her out-of-pocket expenses came to $4,276 saving her thousands. Her policy performed as intended and saved her from financial hardship for her unexpected surgery.


A man in his mid 40’s was admitted to the hospital after suffering from a stroke. Though his policy expired while in the hospital’s care, the insurance carrier approved an extension of benefits until the man was released, saving him tens of thousands of dollars in charges he would’ve otherwise had to pay.