Short-Term Medical — U.S.

EVEREST STM IS A SHORT-TERM MEDICAL INSURANCE PLAN THAT IS NOT INTENDED TO AND DOES NOT QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS THE INSURED AND ANY DEPENDENTS PURCHASE A POLICY THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, INSUREDS AND DEPENDENTS MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE INSUREDS OR DEPENDENTS TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE A HEALTH BENEFIT POLICY THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD. EVEREST STM IS NOT CONTINUOUS COVERAGE AND IS NOT RENEWABLE.  CHECK YOUR POLICY/CERTIFICATE CAREFULLY TO MAKE SURE YOU ARE AWARE OF ANY EXCLUSIONS OR LIMITATIONS REGARDING COVERAGE OF PREEXISTING CONDITIONS OR HEALTH BENEFITS. SOME SHORT TERM PLANS ARE AVAILABLE AS ASSOCIATION GROUP INSURANCE ONLY TO MEMBERS OF THE ASSOCIATION AND ADDITIONAL MEMBERSHIP FEES MAY BE REQUIRED.

FlexTerm Health Insurance Plan is the brand name for products underwritten by Everest Reinsurance Company

DISCLAIMER: Everest Insurance® markets property, casualty, specialty and other lines of admitted and non-admitted direct insurance on behalf of Everest Re Group, Ltd. (“Everest”), and its affiliated companies. Additional information about Everest, our people, and our products can be found on our website at www.everestre.com. All coverage is subject to the language of the policy as issued.