Levels of Coverage

Continucare STM offers flexible coverage options, so you can find the one that best suits your graduate’s needs.

  • Choose from three deductible levels: $500, $1,000 or $2,500
  • Choose coinsurance amounts of either 80% or 50% of the next $5,000 of covered expenses

Covered Medical Expenses

After satisfying the deductible amount you’ve selected, Continucare STM will pay the coinsurance you selected of the next $5,000 of covered expenses, then 100% of covered expenses, up to a lifetime maximum of $2 million per insured person per coverage period.*

Benefits are limited to the usual, reasonable and customary charge for a covered expense in addition to any specific limits.

  • Hospital Charges: average semi-private room rate, medical care and treatment
  • Outpatient Hospital or Ambulatory Surgical Center charges
  • Physician Services for treatment and diagnosis
  • Surgeon Services in the hospital or ambulatory surgical center
  • Assistant Surgeon Services: up to 20% of the surgeon benefits
  • Anesthesia Services: up to 20% of the surgeon benefits
  • Intensive Care: up to three times the average semi-private room rate
  • X-Ray Exams, Laboratory tests and analysis
  • X-Ray and Radioactive isotope therapy, anesthesia, oxygen, casts, splints, crutches, braces, surgical dressings, artificial limbs or eyes, rental of medical supplies
  • Blood or blood derivatives and their administration
  • Ambulance Services: $250 per emergency
  • Organ Transplants: $50,000 lifetime maximum
  • Acquired Immune Deficiency Syndrome (AIDS): $10,000 lifetime maximum
  • Mammography, Pap smear and screens

*Benefits for gallbladder surgery are limited to a $2,500 lifetime maximum per insured person. Benefits for injury or disorders of the knees are limited to a $2,500 lifetime maximum per insured person. Benefits may vary by state.

Get a free quote online, or call 1-800-334-8195 at any time if you have questions or want to apply by phone.

Here's how it works:

Continucare STM for graduates is an affordable short-term medical insurance.

One: Level of Coverage

Continucare offers flexible plan options so you can get the one that meets your graduate’s needs.

Two: Length of Coverage

Whether it’s a few months or a year, your new grad will be covered.

Three: Payment Options

Choose from Monthly or Single payment options.