Life doesn't always line up with open enrollment. Between jobs, waiting on a new plan to start, or just need something temporary — a gap in coverage is still a risk you don't want to carry. Short term medical gives you a safety net for the in-between, so an accident or unexpected illness doesn't turn into a financial setback while you're getting to your next plan.

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We can help with:

• Coverage between jobs or during a waiting period

• Bridging gaps before a new plan starts

• Options for early retirees not yet Medicare-eligible

• Coverage while exploring longer-term plans

• Understanding what short term plans do — and don't — cover

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Honest about the limits. Short term medical isn't a substitute for full coverage, and we'll always tell you straight whether it's the right fit or just a stopgap.