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Claims and Customer Service:
International Benefits Administrators
PO Box 576, Arnold, MD 21012

How we can help?

Short Term Medical Insurance is purchased for a defined period of time, and pays benefits for losses that occur due to sickness or accident. Our plans provide coverage for a broad range of inpatient and outpatient procedures and are ideal for anyone who has had a change of employment, is looking to fill gaps in coverage, or who needs an insurance plan that is an affordable option while still providing benefits for a range of services and procedures.

The highlights of STM include: year-round enrollment with no open enrollment period, coverage for individuals and families, and often a cheaper alternative to ACA/Exchange medical plans.


* These plans are not intended to be a replacement for major medical insurance and do not meet Minimum Essential Coverage as defined by the ACA. You may still be subject to a tax penalty.


Deductible options

Can range from $500 up to $10,000

Policy maximums

Can range from $25,000 up to $1,000,000


Can range from $15 up to $50

Doctor Visits