Turn Coverage Gaps Into Immediate Sales
Pinnacle Short Term Medical gives you a fast, flexible solution for clients who need coverage now—especially those aging off their parents’ plans, between jobs, or waiting on benefits to begin.
Why Pinnacle STM Stands Out
Pinnacle STM stands out because it offers next-day coverage with no enrollment restrictions, giving consumers a fast solution when they need temporary protection right away.
It also provides flexible terms up to 364 days to better match real-life transition periods, while allowing members to use any provider or facility they choose, with access to the PHCS Practitioner & Ancillary network for potential cost savings.
Just as importantly, the plan is backed by Everest Reinsurance Company, which is presented as A+ rated, adding financial strength and credibility. Overall, Pinnacle STM is built specifically for short-term, transitional coverage needs rather than as a long-term health plan.
Why It Matters for Clients — and for Your Book
Immediate Protection
Pinnacle STM gives clients a fast way to get covered when they cannot afford to wait. With next-day effective dates available, it helps protect them during sudden coverage gaps instead of leaving them exposed.
Built for Life Transitions
This product is designed for the in-between moments—between jobs, while waiting for employer benefits, after missing ACA enrollment, or during other temporary disruptions. It works as practical bridge coverage, not a long-term replacement plan.
Age-26+ Opportunity
Pinnacle STM is especially useful for clients aging off a parent’s health plan. It gives agents a timely option for one of the most common and predictable transition points in the under-65 market.
Affordable Gap
Solution
For clients who are trying to avoid going uninsured or are looking for a lower-cost option than COBRA, Pinnacle STM provides a more budget-friendly temporary solution. That makes it easier for agents to save business that might otherwise be lost.
Flexible Access to Care
Pinnacle STM is not a traditional network plan, so clients are not locked into a narrow provider system. They can choose their providers while also accessing PHCS practitioner and ancillary network savings where available.
More Than a One-Off Sale
This is not just a temporary coverage option—it is a retention tool. Pinnacle STM helps agents stay in front of clients during transition periods, preserve relationships, and create value when permanent coverage is not yet in place.
Why Agents Add Pinnacle STM
Sell Year-Round: Create opportunities outside traditional enrollment periods.
Strong Revenue Opportunity: Add meaningful earning potential to your book.
Retain More Clients: Keep clients in-house when they lose coverage or need a temporary solution.
Fits Real-World Scenarios: Ideal for age-outs, job changes, waiting periods, and missed enrollment.
Delivers Peace of Mind: Give clients fast, temporary protection when they need coverage now.
Agent FAQ: What You Need to Know to Sell This Confidently
When should I use Pinnacle STM?
Use it when a client needs immediate, temporary coverage—especially during age-26 transitions, job changes, waiting periods for employer benefits, or missed ACA enrollment.
How fast can coverage start?
Coverage can begin as soon as the next day if the client applies, qualifies, and completes payment.
Is this long-term coverage?
No. Pinnacle STM is designed for temporary, transitional coverage only—not as a permanent health plan.
Is Pinnacle STM ACA-compliant?
No. It is not Minimum Essential Coverage and should be positioned as a gap solution, not a replacement for ACA major medical.
Does it cover pre-existing conditions?
No. Pre-existing conditions are excluded, and agents should be careful to set expectations clearly up front.
Who is a strong fit for this product?
Good-fit clients include people aging off a parent’s plan, between jobs, waiting for employer benefits, recent graduates, seasonal workers, and others with temporary coverage gaps.
How long can clients stay on the plan?
Coverage terms may be available for 6-month or 364-day durations, subject to state rules. Reapplication rules also vary by state.
Can the client renew the plan?
No. Pinnacle STM is nonrenewable. If the client wants continued coverage, they must reapply, and deductibles, waiting periods, and benefit limits reset with the new term.
How does provider access work?
Pinnacle STM is not a traditional network plan, so clients are not confined to one network. They may also access PHCS practitioner and ancillary network savings where available.