Regence Life & Health Short Term Medical (STM)

InterM is designed for healthy people who have a temporary need for medical coverage. InterM gives you peace of mind by providing coverage for injuries and sudden-onset illnesses.

Medical Coverage for 30 to 185 Days

Valuable medical protection on a short-term basis for people who are:

Between jobs, laid off, or on strike.
Waiting to be covered under a group medical plan.
Waiting for issuance of an individual contract.
Recent graduates.
Starting a business.
Taking time off from school.
In need of temporary medical insurance.

Eligibility

You are eligible for this policy if you and any family members who apply for coverage:

Are under age 65 and will remain under age 65 for the term of the policy.
Unmarried dependent children must be:
- under age 23
- dependent upon you for support. Generally, the child must live with you. The exception is when you are legally required to pay for part of the child's support and there is no court order requiring that someone else provide insurance for the child.
Are not eligible for Medicare.
Are not pregnant. If any member of your family is pregnant, you may not apply for coverage until the pregnancy terminates.
Are not covered under any other hospital or medical plan.

Temporary Coverage

InterM is designed to provide medical coverage on a temporary basis to fill a temporary need. It cannot be renewed and is not intended to replace permanent coverage. However, if the temporary need continues, you may apply for one new policy within a 12-month period.

Important Note: There is no continuous coverage between policies. Any condition which may have existed or occurred under one policy will be a pre-existing condition under the subsequent policy, and therefore, will not be covered under the subsequent policy.