Short Term Medical and Foreign Travel Medical plans are used to fill a short term need for medical insurance. Occasionally an employee will need medical insurance to cover him between jobs. Short Term Medical is an inexpensive way to provide major medical benefits to protect against accidents or major illnesses that are not pre-existing. The benefit designs are basic, no-frills plans with little or no office or prescription co-pays. They are designed strictly to cover large claims that may occur during a lapse in other coverage.

Foreign Travel Medical plans are designed to cover individuals who will be traveling abroad for extended periods of time. Although many group health insurance plans will cover claims incurred on an emergency basis when traveling, a travel policy will provide coverage for more basic conditions, such as cold and flu, and for prescriptions.