South Dakota Short Term Medical Insurance

Please note, our Short Term Medical insurance is intended for temporary gaps in health insurance. It is not compliant with the federal Affordable Care Act and does not cover expenses related to pre-existing conditions.

 

South Dakota state short term medical insurance

Short Term Medical Insurance

SHORT TERM MEDICAL

Short term health insurance for temporary gaps in coverage.

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Our international provider network includes thousands of health care professionals and facilities in South Dakota alone! Find a doctor in the network here.

Get more details regarding all the benefits available in South Dakota with our short-term medical insurance plan by reviewing the full policy documents here.

General STM Benefits*

  • Deductible Choices: $500, $1,000, $2,500, $5,000 and $7,500
  • No referrals needed for specialists except physical therapy
  • No primary care physician required
  • Out-of-network coverage
  • Choice of 80/20% or 50/50% coinsurance
  • Choice of coverage maximum up to $2,000,000 lifetime
  • Hospital inpatient prescription drug coverage
  • Labs, x-ray, emergency room, outpatient surgery & hospitalization coverage

South Dakota Specific STM Benefits

  • Periodic mammogram screening exams starting at age 35
  • Inpatient treatment of alcoholism
  • Prostate screening starting at age 50 or earlier if high risk
  • Phenylketonuria testing and formula
  • Dental anesthesia
  • Home health services

Limits and Considerations of STM Coverage

  • Coverage for 1 to 6 months
  • Pre-existing conditions excluded
  • 72-hour waiting period for illness when coverage is purchased within three days of the effective date. Waiting period does not apply to injuries.

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*Other benefits and exclusions are contained in the Policy. Please read it carefully.

Our international provider network includes over 9,000 health care professionals and facilities in South Dakota alone! Find a Doctor

Get a full list of all the benefits available in South Dakota with our short term medical insurance plan and get a personalized quote.

For individual health insurance purchasing guides and suggestions, see the South Dakota Division of Insurance Resource: http://dlr.sd.gov/insurance/consumer_information.aspx. *Other benefits and exclusions are contained in the Policy. Please read it carefully

There are transitional periods in life that can leave you without medical coverage for a brief time. HCC Medical Insurance Services understands your need for peace of mind about health insurance coverage during uncertain times.

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