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STM 360

Safeguard Your Financial Future from Unexpected Injuries and Sickness.

STM 360

Safeguard Your Financial Future from Unexpected Injuries and Sickness.

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.

  • Member of the Premier Business Association
  • Simple Application Process with Next Day Coverage
  • Flexibility to Choose your Own Physician or Hospital
  • Plans Available up to 12 months1

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.

Contact Agent for Pricing

  • Length of Coverage Options: 6-months or 364-days
  • PHCS Practitioner & Ancillary Network
  • Next day effective with later option available less than 45 days from application sign date

  • Waiting Periods:

    • 5 days for Sickness
    • 30 days for Cancer
    • No Waiting Period for Injuries

Short Term Medical Benefits

Temporary coverage to save on out-of-pockets costs associated with medical and wellness care.

Family

$3695Starting
  • Length of Coverage Options: 6-months or 364-days
  • PHCS Practitioner & Ancillary Network
  • Next day effective with later option available less than 45 days from application sign date

  • Waiting Periods:

    • 5 days for Sickness
    • 30 days for Cancer
    • No Waiting Period for Injuries

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:

  • Allergies

  • Bronchitis

  • Cold & Flu Symptoms

  • Respiratory Infection

  • Sinus Problems

  • Pink Eye

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:

  • Allergies

  • Bronchitis

  • Cold & Flu Symptoms

  • Dermatology Problems

  • Respiratory Infection

  • Sinus Problems

  • Pink Eye

Optum Rx®

Prescription Benefit

Savings on generic and name-brand medications at over 65,000 select pharmacies nationwide.

  • Save 10% to 85% on Generic and Name Brand Prescriptions
  • Mail Order Service Available

  • Members Always Receive the Lowest Price at the Pharmacy that day

Optum Rx®

Prescription Benefit

Savings on generic and name-brand medications at over 65,000 select pharmacies nationwide.

  • Save 10% to 85% on Generic and Name Brand Prescriptions
  • Mail Order Service Available

  • Members Always Receive the Lowest Price at the Pharmacy that day

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.

  • Store Emergency Contact & Medical Information
  • Upload and Share Important Documents
  • 24/7 Access by First Responders
  • Manage Family Members from One Account
  • Dedicated QR Code with Embedded ID#

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.

  • Store Emergency Contact & Medical Information
  • Upload and Share Important Documents
  • 24/7 Access by First Responders
  • Manage Family Members from One Account
  • Dedicated QR Code with Embedded ID#

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.

Online Wellness2022-11-08T19:24:18+00:00

Nutrition, fitness, stress management, and supplementation information.

Vitamins & Nutritional Supplements2022-11-08T19:24:01+00:00

Our members can save an additional 20% on a wide range of vitamins.

Diabetic & Home Medical Supplies2022-11-08T19:23:33+00:00

Save 10% on diabetic, health & wellness, and pet health.

24-Hour Nurseline2022-11-08T19:23:14+00:00

Members have unlimited access to Registered Nurses via a toll-free telephone number.

Vision Savings2022-11-08T19:22:21+00:00

Save 10% to 60% off eyeglasses, contact lenses and other retail eyewear items at participating providers.

Hearing Discount2022-11-08T19:22:06+00:00

TruHearing® offers savings of 30-60% off retail prices on a wide variety of hearing aids in different styles and colors.

Health Services Hub2022-11-08T19:21:47+00:00

Daily wellness articles, health tips, personalized workout programs.

Chiropractic Savings2022-11-08T19:21:32+00:00

Save 20% to 40% on chiropractic fees at participating chiropractors across the country.

Delivery Services2022-11-08T19:32:22+00:00

Discounts on UPS delivery services for a variety of shipping options.

Travel Savings2022-11-08T19:28:29+00:00

Online booking website comparable to Expedia & Priceline, offering Member Only prices.

Auto Glass Repair2022-11-08T19:28:10+00:00

Save $10 on rock chip repair, $20 on glass replacement through Safelite® AutoGlass.

Office Supplies2022-11-08T19:27:49+00:00

Save up to 80% on over 93,000 products at any Office Depot or OfficeMax store.

My Association Saving Benefits2022-11-08T19:27:33+00:00

Exclusive perks and over $4,500 in savings on everything!

Lenovo Discount2022-11-08T19:27:17+00:00

Save up to 30% off the entire product line of laptops, tablets, desktops, servers, and more!

Choice Hotels2022-11-08T19:26:57+00:00

Members save up to 20% off the best available rate at participating Choice Hotels.

Avis and Budget Car Rentals2022-11-08T19:26:43+00:00

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.

Online Wellness2022-11-08T19:24:18+00:00

Nutrition, fitness, stress management, and supplementation information.

Vitamins & Nutritional Supplements2022-11-08T19:24:01+00:00

Our members can save an additional 20% on a wide range of vitamins.

Diabetic & Home Medical Supplies2022-11-08T19:23:33+00:00

Save 10% on diabetic, health & wellness, and pet health.

24-Hour Nurseline2022-11-08T19:23:14+00:00

Members have unlimited access to Registered Nurses via a toll-free telephone number.

Vision Savings2022-11-08T19:22:21+00:00

Save 10% to 60% off eyeglasses, contact lenses and other retail eyewear items at participating providers.

Hearing Discount2022-11-08T19:22:06+00:00

TruHearing® offers savings of 30-60% off retail prices on a wide variety of hearing aids in different styles and colors.

Health Services Hub2022-11-08T19:21:47+00:00

Daily wellness articles, health tips, personalized workout programs.

Chiropractic Savings2022-11-08T19:21:32+00:00

Save 20% to 40% on chiropractic fees at participating chiropractors across the country.

Delivery Services2022-11-08T19:32:22+00:00

Discounts on UPS delivery services for a variety of shipping options.

Travel Savings2022-11-08T19:28:29+00:00

Online booking website comparable to Expedia & Priceline, offering Member Only prices.

Auto Glass Repair2022-11-08T19:28:10+00:00

Save $10 on rock chip repair, $20 on glass replacement through Safelite® AutoGlass.

Office Supplies2022-11-08T19:27:49+00:00

Save up to 80% on over 93,000 products at any Office Depot or OfficeMax store.

My Association Saving Benefits2022-11-08T19:27:33+00:00

Exclusive perks and over $4,500 in savings on everything!

Lenovo Discount2022-11-08T19:27:17+00:00

Save up to 30% off the entire product line of laptops, tablets, desktops, servers, and more!

Choice Hotels2022-11-08T19:26:57+00:00

Members save up to 20% off the best available rate at participating Choice Hotels.

Avis and Budget Car Rentals2022-11-08T19:26:43+00:00

Up to 25% off your rental when you use the Avis or Budget discount code.

Frequently Asked Questions

Short Term Medical Insurance provides temporary medical coverage when members are between health plans, outside enrollment periods, and for those who need coverage in case of emergency.

No, Short Term Medical insurance is nonrenewable and policy termination is not considered a qualifying life event for purposes of enrolling in a plan. Therefore, depending on your policy’s termination date and state laws about reapplying for a new plan, when your STM 360 Health Insurance expires, you may have a gap in insurance coverage until you can begin coverage with a new Short Term Medical insurance or an ACA or other comprehensive insurance plan.
STM 360 provides next day coverage. There is a short 5 day waiting period for sickness, 30 days for cancer and no waiting period for injuries.
No, STM 360 is NOT a network plan. However, covered person have access to physicians participating in the PHCS Practitioner & Ancillary network, which provides members with in-network negotiated rates.*

The PBA provides members with access to additional savings on a variety of medical, fitness and therapeutic resources. Savings on small business and travel services are a part of the Premier Business Association as well.

You can reach our American Online Benefits Group Member’s Services Team at 888-918-2386.

Frequently Asked Questions

Short Term Medical Insurance provides temporary medical coverage when members are between health plans, outside enrollment periods, and for those who need coverage in case of emergency.

No, Short Term Medical insurance is nonrenewable and policy termination is not considered a qualifying life event for purposes of enrolling in a plan. Therefore, depending on your policy’s termination date and state laws about reapplying for a new plan, when your STM 360 Health Insurance expires, you may have a gap in insurance coverage until you can begin coverage with a new Short Term Medical insurance or an ACA or other comprehensive insurance plan.
STM 360 provides next day coverage. There is a short 5 day waiting period for sickness, 30 days for cancer and no waiting period for injuries.
No, STM 360 is NOT a network plan. However, covered person have access to physicians participating in the PHCS Practitioner & Ancillary network, which provides members with in-network negotiated rates.*

The PBA provides members with access to additional savings on a variety of medical, fitness and therapeutic resources. Savings on small business and travel services are a part of the Premier Business Association as well.

You can reach our American Online Benefits Group Member’s Services Team at 888-918-2386.

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.

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