Temporary Coverage in FL & GA

Bridge the Gaps Between Major Medical Plans

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Short-Term Limited Duration Insurance

Short-term limited duration insurance (STLDI) provides temporary medical coverage for individuals who need a bridge between more permanent health plans. It’s designed for situations like waiting for employer coverage to begin, gaps between ACA enrollment periods, or a period of transition between life stages.

What It Covers

Coverage varies by plan, but short-term policies typically include doctor visits, emergency care, and hospitalization. These plans are not required to cover the essential health benefits mandated by the ACA — meaning services like preventive care, mental health coverage, and prescription drugs may be limited or excluded depending on the policy.

What to Know Before You Enroll

Short-term plans can ask health questions during the application process, and coverage may be denied based on pre-existing conditions. Benefit periods, renewal options, and coverage limits vary by plan. These policies are not a substitute for comprehensive health coverage and are intended as a temporary solution.

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Global Medical Insurance

Global medical insurance provides health coverage outside the United States — whether you’re abroad for a few days, several months, or living overseas indefinitely. Plans vary widely in structure, and the right fit depends on how often you travel, where you’re going, and how long you’ll be away.

Who It’s For

Global medical plans can work for a range of situations: a short international trip, an extended stay abroad, expatriates living outside the U.S., or retirees who split time between countries. Coverage areas, benefit limits, and plan structures vary significantly by policy — what works for an occasional traveler may look very different from what an expat needs year-round.

How it Differs From Travel Insurance

Global medical insurance is built around your health while you’re abroad — doctor visits, specialist care, and hospitalization. Depending on the plan, coverage may also extend to additional benefits such as lost luggage, accidental death, and emergency evacuation. Travel insurance, by contrast, is typically centered on trip protection — cancellations, flight disruption, and some emergency medical coverage.

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Frequently Asked Questions

Short-term limited duration insurance is not ACA-compliant coverage. It does not include the essential health benefits required under the ACA, and enrolling in a short-term plan does not satisfy any coverage requirements. For individuals who qualify for ACA Marketplace coverage, a Marketplace plan provides more comprehensive protections.

Not typically. Short-term plans are medically underwritten, meaning pre-existing conditions are commonly excluded from coverage, and can result in a denial of your application. Review the plan’s exclusions carefully before enrolling.

Benefit periods and renewal options vary by plan and by state. Florida and Georgia have their own regulations governing short-term plan duration and renewability. I can walk you through temporary coverage options available in your state.

Not exactly. Travel insurance is centered on trip protection — cancellations, flight disruption, and emergency medical coverage for short trips. Global medical insurance is built around your health while you’re abroad, with coverage for routine care, specialist visits, and hospitalization. Depending on the plan, global medical may also include additional benefits beyond medical care. The two products can complement each other, but they serve different primary purposes — and the right fit depends on where you’re going, how long you’ll be away, and what you need covered.

You don’t have to use one, but working with a licensed agent costs you nothing. I can compare available options across carriers and explain the limitations clearly — so you know exactly what you’re buying before you commit.

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