Valuable Health Insurance Coverage
Short-Term, Flexible Medical Plans
Individuals who are looking for coverage during times of transition are the perfect candidates for STM 360. Whether you are between jobs, waiting for employer benefits to begin, have an unpredictable employment schedule or are a new graduate no longer eligible for health insurance through a student plan, STM 360 is available to you.

Valuable Health Insurance Coverage
Short-Term, Flexible Medical Plans
Individuals who are looking for coverage during times of transition are the perfect candidates for STM 360. Whether you are between jobs, waiting for employer benefits to begin, have an unpredictable employment schedule or are a new graduate no longer eligible for health insurance through a student plan, STM 360 is available to you.
Why STM 360?
Qualify Today, Be Covered Tomorrow
STM 360 helps protect you from unexpected medical bills due to injury and illness when there is a short-term gap in medical coverage. Protect your financial future and have peace of mind with healthcare coverage for you and your loved ones and access to many other wellness benefits.
1States may vary.
Why STM 360?
Qualify Today, Be Covered Tomorrow
STM 360 helps protect you from unexpected medical bills due to injury and illness when there is a short-term gap in medical coverage. Protect your financial future and have peace of mind with healthcare coverage for you and your loved ones and access to many other wellness benefits.
The Value in STM 360
Valuable Coverage for Times of Transition
The Value in STM 360
Valuable Coverage for Times of Transition
Short Term Medical Benefits
Temporary coverage to save on out-of-pockets costs associated with medical and wellness care.
Short Term Medical Benefits
Temporary coverage to save on out-of-pockets costs associated with medical and wellness care.
PHCS Network
STM 360 members have access to doctors and ancillary facilities: 915,000 healthcare providers under contract, 60 million consumers accessing the network products and 135 million medical bills processed for cost reduction. On average, PHCS members save 36% on their medical claims. Using an in-network provider can help you reduce out-of-pocket costs.
PHCS Network

STM 360 members have access to doctors and ancillary facilities: 915,000 healthcare providers under contract, 60 million consumers accessing the network products and 135 million medical bills processed for cost reduction. On average, PHCS members save 36% on their medical claims. Using an in-network provider can help you reduce out-of-pocket costs.
Value Added Benefits
Value Added Benefits
Lyric
Virtual Urgent Care
Physicians can diagnose many common non-emergency condition symptoms, recommend treatment options, and prescribe medication when medically appropriate.
Common Conditions include:
Lyric
Virtual Urgent Care
Physicians can diagnose many common non-emergency condition symptoms, recommend treatment options, and prescribe medication when medically appropriate.
Common Conditions include:
Optum Rx®
Prescription Benefit
Savings on generic and name-brand medications at over 65,000 select pharmacies nationwide.
Optum Rx®
Prescription Benefit
Savings on generic and name-brand medications at over 65,000 select pharmacies nationwide.
ICE Tracer
Emergency Health Info
Manage all of your immediate family’s important health information for easy access in the event of an emergency. Reduce confusion, increase response time and minimize risk, all with the help of a single & simple tool.
ICE Tracer
Emergency Health Info
Manage all of your immediate family’s important health information for easy access in the event of an emergency. Reduce confusion, increase response time and minimize risk, all with the help of a single & simple tool.
Wellpons
Brands You Can Trust
Wellpons is accessible to members only, providing online dedicated coupon codes and discount links for health-related products and services. Categories include nutritional supplements, healthy eating, CBD products and much more!
Wellpons
Brands You Can Trust
Wellpons is accessible to members only, providing online dedicated coupon codes and discount links for health-related products and services. Categories include nutritional supplements, healthy eating, CBD products and much more!
Association Membership Benefits
Association Membership Benefits
The Premier Business Association (Premier Business) is a non-profit organization serving the goals and needs of small businesses, the self-employed, independent contractors, and entrepreneurs from across the nation. Premier Business has been dedicated to providing benefits and resources to help its members with professional, lifestyle and health-related benefits, as well as advocacy opportunities so they can have a voice on issues that may impact their success. Despite changes to the economy and the health care landscape that have made an uncertain future, Premier Business is focused on assisting its members in any way possible and growing into a leader for the independent business person.
Nutrition, fitness, stress management, and supplementation information.
Our members can save an additional 20% on a wide range of vitamins.
Save 10% on diabetic, health & wellness, and pet health.
Members have unlimited access to Registered Nurses via a toll-free telephone number.
Save 10% to 60% off eyeglasses, contact lenses and other retail eyewear items at participating providers.
TruHearing® offers savings of 30-60% off retail prices on a wide variety of hearing aids in different styles and colors.
Daily wellness articles, health tips, personalized workout programs.
Save 20% to 40% on chiropractic fees at participating chiropractors across the country.
Discounts on UPS delivery services for a variety of shipping options.
Online booking website comparable to Expedia & Priceline, offering Member Only prices.
Save $10 on rock chip repair, $20 on glass replacement through Safelite® AutoGlass.
Save up to 80% on over 93,000 products at any Office Depot or OfficeMax store.
Exclusive perks and over $4,500 in savings on everything!
Save up to 30% off the entire product line of laptops, tablets, desktops, servers, and more!
Members save up to 20% off the best available rate at participating Choice Hotels.
Up to 25% off your rental when you use the Avis or Budget discount code.
The Premier Business Association (Premier Business) is a non-profit organization serving the goals and needs of small businesses, the self-employed, independent contractors, and entrepreneurs from across the nation. Premier Business has been dedicated to providing benefits and resources to help its members with professional, lifestyle and health-related benefits, as well as advocacy opportunities so they can have a voice on issues that may impact their success. Despite changes to the economy and the health care landscape that have made an uncertain future, Premier Business is focused on assisting its members in any way possible and growing into a leader for the independent business person.
Nutrition, fitness, stress management, and supplementation information.
Our members can save an additional 20% on a wide range of vitamins.
Save 10% on diabetic, health & wellness, and pet health.
Members have unlimited access to Registered Nurses via a toll-free telephone number.
Save 10% to 60% off eyeglasses, contact lenses and other retail eyewear items at participating providers.
TruHearing® offers savings of 30-60% off retail prices on a wide variety of hearing aids in different styles and colors.
Daily wellness articles, health tips, personalized workout programs.
Save 20% to 40% on chiropractic fees at participating chiropractors across the country.
Discounts on UPS delivery services for a variety of shipping options.
Online booking website comparable to Expedia & Priceline, offering Member Only prices.
Save $10 on rock chip repair, $20 on glass replacement through Safelite® AutoGlass.
Save up to 80% on over 93,000 products at any Office Depot or OfficeMax store.
Exclusive perks and over $4,500 in savings on everything!
Save up to 30% off the entire product line of laptops, tablets, desktops, servers, and more!
Members save up to 20% off the best available rate at participating Choice Hotels.
Up to 25% off your rental when you use the Avis or Budget discount code.

For over 40 years, Everest has been a global leader in reinsurance with a broad footprint, deep client relationships, and underwriting excellence, responsive service and customized solutions. Our insurance arm draws upon impressive global resources and financial strength to tailor each policy to meet the individual needs of our customers.

For over 40 years, Everest has been a global leader in reinsurance with a broad footprint, deep client relationships, and underwriting excellence, responsive service and customized solutions. Our insurance arm draws upon impressive global resources and financial strength to tailor each policy to meet the individual needs of our customers.