Medical Expense Shield bundles short term medical insurance with fixed-benefit protection. Aetna Open Choice PPO — 2 million+ providers. Fixed benefits pay from day one while you work toward your deductible.
Everything you need to know about what this plan covers and why it matters for your family.
Access to more than 2 million primary care doctors and specialists across 38,600 hospitals nationwide. One of the largest networks available.
The fixed-benefit portion pays you cash from day one — no deductible required. Every dollar goes toward your short term medical deductible.
Once you hit the deductible, the short term medical plan pays 100% of most covered services for the rest of the term.
Choose 12, 24, or 36 month coverage terms depending on your situation. Coverage can start as soon as the next day.
Add Recuro Health virtual care — unlimited 24/7 visits with $0 copay, plus $0 copay Rx for chronic conditions and urgent care medications.
Fixed-benefit portion continues active as long as premiums are paid. When STM expires, you can enroll in a new plan.
Getting enrolled and covered is straightforward. Here's exactly what happens.
Select your term (12/24/36 months) and deductible level ($25K or $35K). Fixed-benefit Core or Plus. Add optional Recuro virtual care.
From your first covered service, fixed-benefit cash payments go directly to you — no deductible needed for that portion.
As your fixed-benefit payments count toward your deductible, the short term medical plan takes over and pays 100% of most services.
Honest answers to the questions we hear most. Still have one? Ask our AI advisor or call us directly.
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Medical Expense Shield gives you Aetna network access, fixed benefits from day one, and 100% coverage after the deductible. Enroll online or call Mocombe Financial Services.