Short-Term Medical & Accident Insurance

Short-Term Medical & Accident Insurance

Short-Term Medical Insurance

Why Choose Short-Term Medical?

Because life is unpredictable.

Short-Term Medical Insurance from The Morgano Agency gives you a plan to face those unpredictable moments in life with confidence. It provides the financial protection you need from unexpected medical bills and other health care expenses, including:

  • Doctor visits and some preventative care
  • Emergency room and ambulance coverage
  • Urgent care benefits, and more

By taking advantage of the our network providers, Short-Term Medical Insurance can help you save more on your health care.

Short-Term Medical Insurance from The Morgano Agency includes flexible plan designs and options to help you find the plan that fits your needs, budget, and time frame.

Short-Term Medical Insurance isn’t for everyone. Find out what it covers and what it doesn’t

While Short-Term Medical insurance covers some medical expenses, it doesn’t cover everything. Make sure you take a look at what you need your health insurance to do for you and compare it to the benefits provided through Short-Term Medical.

What about out-of-pocket costs?

Short-Term Medical Insurance helps you get the health care coverage you need, when you need it. But, like other insurance plans, there are always out-of-pocket costs. Out-of pocket costs include expenses you are responsible for like deductibles and coinsurance.

Add one of our Supplemental Coverage Plans to get the out-of-pocket protection you need from costs not covered by your Short-Term Medical plan. They’re affordable options that help you broaden your financial protection and keep more money in your pocket.

Supplemental coverage provides benefits for costs associated with:

  • Accidents
  • Critical illnesses
  • Accidental death and dismemberment
  • Hospital stays

For complete details, you can download the full brochure here.

Accident Insurance

A plan for unexpected out-of-pocket costs associated with accidents, critical illness, and accidental death

Cover what matters most

Get three types of coverage in one plan

TrioMED provides benefits that help you cover out-of-pocket costs associated with the things in life you can’t plan for, like accidents, critical-illnesses diagnoses, and accidental death and dismemberments.

It helps you get well without worrying about medical bills piling up.

Accident Medical Expense gives you the coverage you need to help pay the high out-of-pocket costs following an accident

A Accident Medical Expense (AME) plan helps you cover accident-related medical expenses up to the benefit amount you choose following a covered accidental injury.


  • Helps you pay costs not covered by other insurance
  • No limit on the number of covered accidents
  • Benefits work to compliment your existing health coverage

Critical Illness Coverage

In the event of the first diagnosis of a critical illness, TrioMED will provide a lump-sum, cash benefit to help you pay your out-of-pocket expenses up to the benefit level you choose. If your medical bill is less than your chosen benefit level, you can use the leftover funds in any way you like.

Coverage Details

  • Pays lump-sum benefit upon the first diagnosis of a covered critical illness
  • No deductible to satisfy
  • No network restrictions
  • Amount payable of primary maximum benefit is 50% for a spouse and 25% for a child

Accidental Death and Dismemberment

No one wants to think about the worst actually happening. But if it does, you want to make sure that you and the ones you love have the financial coverage needed to pay medical expenses.

In the unfortunate event that an insured person suffers a dismembered limb or passes away due to a covered accident, TrioMED will pay the elected benefit amount based on the schedule of benefits.


  • Provides a benefit payout (percentage of hte face amount) in the event of Accidental Dismemberment
  • Provides a benefit payout for a death resulting directly from a covered accidental injury
  • Lump-sum benefit not restricted to medical expenses – use for a wide variety of out-of-pocket costs

For complete details, you can download the full brochure here.

The Morgano Agency offers free, comparative quotes on short-term medical and accident insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.