The Washington State Office of the Insurance Commissioner released a bulletin on Oct. 30th that announced a new rule around Short Term Limited Duration (STLD) medical plans. LifeMap's Short Term Medical (STM) plan is subject to this rule, which went into effect Nov. 16, 2018 and impacted policies beginning Jan. 1, 2019 and later.

LifeMap is pleased to announce that we have worked with the Washington Office of the Insurance Commissioner to revise our STM plan, and now offer an approved product that is compliant with the new regulations.

This means that LifeMap can once again process STM applications for coverage in the state of Washington through our online system and by mail. It is LifeMap's mission to provide financial protection to customers through all of life’s transitions. We truly believe our STM policy provides temporary piece of mind at an affordable rate until a member's ACA coverage begins, can find a new job, or qualify for more permanent and comprehensive coverage.

If you have questions, please contact our Customer Service team M-F, 8am-5pm PT at 1(800) 756-4105 or email support@lifemapco.com.

Highlights on the New Washington STLD Plans Rule

  • Pre-existing condition look-back period reduces from 5 years to 2 years
  • Beginning in 2019, carriers are unable to sell STM plans with January effective dates during the ACA annual enrollment period (11/1 to 12/15)
  • One policy is allowed in a rolling 12-month period
  • New disclosure required with all applications

Additional details on the Rule can be found on the WA OIC website.