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What is Short-Term Medical insurance?

Short-Term Medical insurance provides protection when circumstances leave you temporarily uninsured.

Policies are available for you up to age 64, your spouse age 18 to 64, and dependent children under the age of 26.

Who should consider it?

While not a substitute for a major medical plan that meets the minimum essential coverage levels of the ACA, Short-Term Medical insurance underwritten by Independence American Insurance Company (IAIC), is perfect for individuals and families who may have missed open enrollment, don’t have a qualifying event outside of open enrollment, or are waiting for an ACA or employer plan to go into effect.1

  • Key benefits

    Key benefits

    • Coverage-gap protection for North Carolina residents
    • Next-day coverage available
    • Coverage is available for periods of 30-90 days, 91-180 days or 181-364 days
    • $50 copay per office visit:
      One copay for 30–90 days of coverage
      Two copays for 91-180 days or 6 months of coverage
      Three copays for greater than 180 days or 6 months of coverage
    • Simple online application
  • Additional features

    Additional features

    When three people in your family meet their deductible, that satisfies the deductible requirements for any other covered family members for the remainder of the coverage period. Plan options are customizable and other optional benefits can be purchased, including Rx Pay Card and Supplemental Protection.

  • Application process

    What's required?

    To apply for a Short-Term Medical insurance policy sold by Mosaic Group and underwritten by a subsidiary of IHC Group, you just need to answer a few simple medical questions. Coverage may be available as soon as the next day.

Discover the easy way to fill in the gaps.

  1. Some exclusions may apply

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For everybody.
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Chris Stephenson

Chris Stephenson

Account Executive

I’m Chris. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

Call or email me and let’s get started.

919-287-7631

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Angie White

Angie White

Voluntary Benefit Enrollment Consultant

I’m Angie. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

Call or email me and let’s get started.

919-463-7322

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Courtney Justice

Courtney Sexton

Account Manger/Retention

I’m Courtney. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

Call or email me and let’s get started.

984-960-3583

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Liz Hoidahl

Liz Hoidahl

Account Manager/Retention

I’m Liz. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

Call or email me and let’s get started.

919-765-36682

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Ashley Nason

Ashley Nason

Account Manager/Retention

I’m Ashley. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

Call or email me and let’s get started.

919-765-4121

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Sherrie Parrish

Sherrie Young

Account Executive

I’m Sherrie. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

Call or email me and let’s get started.

336-201-4008

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Michele Gregory

Michele Gregory

Account Executive

I’m Michele. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

Call or email me and let’s get started.

919-765-4671

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Casey McClure

Casey McClure

Account Manager/Retention

I’m Casey. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

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704-561-2777

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Ken Schoonhagen

Ken Schoonhagen

Account Executive

I’m Ken. How can I help you?

Based on the information you provided, I should be able to answer any questions you have.

Call or email me and let’s get started.

336-580-9018

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