Looked into them. $125 app fee. OMG.
Plan 1 is an indemnity STM. $1250 max per day in ICU. No thanks.
Plan 2 - is an STM but very expensive, by far.
Anyone hear of STM called 'Life Shield?'
- Thread starter Tim Resnick
- Start date
Looked into them. $125 app fee. OMG.
Plan 1 is an indemnity STM. $1250 max per day in ICU. No thanks.
Plan 2 - is an STM but very expensive, by far.
Hydra Burton
New Member
- 1
I Just left that company. Your better off going with National General or something like that. If you have a business that you run like a self pay deal you can get Aetna blue cross and that will be good too. You can feel free to email me if you want to talk and I'd be happy to help you with any insurance health wise your looking for.
JeremySoper
Expert
- 34
Many STM Products are completely different, it depends on the fine print of course. They can be a great temporary option
JeremySoper
Expert
- 34
It would be great to have a STM plan provide me benefits when I have no other option. See, they do belong together!
I must assume you have never known anyone who tried to collect on an STM when they had a large claim . . . especially if it involved an undisclosed pre-ex condition . . .
Or someone who was seriously injured while covered by an STM . . . and then the policy expired . . . and they had ongoing medical bills . . . but were unable to get a new policy
You probably don't have E&O either
Or if you do, you believe you can rely on the policy to protect you when you are sued
JeremySoper
Expert
- 34
You know what they say about assuming!
Abrasax
Guru
- 399
What's the alternative outside of OEP?
SEP
If u cant get a group plan, or qualify for medicaid, or qualified for special ACA enrollment............then STM is an option and better than being uninsured
Similar threads
