After satisfying the deductible amount you have selected, Secure STM will pay the co-insurance you selected for covered short term health insurance expenses, for up to a lifetime maximum of $2 million per insured person per coverage period.

Your coverage effective date will begin on the later of:
1) 12:01 a.m. the day after your requested policy date; or
2) 12:01 a.m. the day after the postmark date affixed by the U.S. Post Office, whichever is later, provided your application and full premium payment are received by us and your answers on the application are complete and meet the requirements for acceptance by Fortis.

Additional Savings:
You can reduce your medical bills by using the doctors and hospitals participating in PHCS.

Reapplying for Coverage:
You can reapply for coverage only after a 90-day break in coverage.

12 month pre-existing condition exclusion. exclusion.

Blue Cross of Idaho’s Short Term Blue offers a limited benefit program for temporary coverage. You can protect yourself and eligible dependents during those times between coverage, choosing coverage for just one month, or up to ten months. Once you enroll you may not enroll any additional dependents with the sole exception of a newborn or an adopted child.

Short Term Blue does not provide extensive, catastrophic coverage, like organ transplants, that major medical programs often cover. It is designed to cover typical, short term illness or injuries that could occur while you’re between full benefit programs.

Short Term Blue does not cover any preexisting conditions.