Comments on: STM for College Grad http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/ Easy answers to difficult questions Thu, 20 Nov 2008 20:57:01 +0000 http://wordpress.org/?v=2.2.1 By: bob http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/#comment-42 bob Wed, 30 May 2007 13:00:47 +0000 http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/#comment-42 There is no question that a traditional major med plan is superior to an STM plan for the reasons you suggest. Of course I also indicated that plans such as Tonik are available for about the same price and with much broader coverage. Thank you for your comments. There is no question that a traditional major med plan is superior to an STM plan for the reasons you suggest.

Of course I also indicated that plans such as Tonik are available for about the same price and with much broader coverage.

Thank you for your comments.

]]> By: Brent http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/#comment-35 Brent Sun, 13 May 2007 21:19:03 +0000 http://hi411.bobvineyard.com/2007/05/06/stm-for-college-grad/#comment-35 The problem with most STM plans is that the are not requires by law to be guarantee renewable in Texas. Most Short Term Medical plans will only allow 12 months of coverage and then the plan is over. If you get sick during this time with a major illness, or have an accident that requires prolong treatment, you are going to run out of coverage. In Texas individual health insurance is guaranteed renewable and can not be canceled due to sickness so I advise my client to purchase an major medical plan rather than a short term plan because the cost is not that different but the risk for loss is much greater with the STM The problem with most STM plans is that the are not requires by law to be guarantee renewable in Texas. Most Short Term Medical plans will only allow 12 months of coverage and then the plan is over. If you get sick during this time with a major illness, or have an accident that requires prolong treatment, you are going to run out of coverage.

In Texas individual health insurance is guaranteed renewable and can not be canceled due to sickness so I advise my client to purchase an major medical plan rather than a short term plan because the cost is not that different but the risk for loss is much greater with the STM

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