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We make it easy to get friendly, personal and independent help with health care reform questions with fast and free online support through OnlineNavigator.orgTM as well as Limited telephone support at (800) 609-0683. OnlineNavigator is an independent adviser service not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state program.

Member Services:
462 Midland Rd #100
Janesville, WI 53546
(800) 279-2290
low cost health insurance


Choice your own doctors and hospital
$1 million maximum
Major medical insurance that includes doctors, hospitals, ER, ambulance, tests
Does not cover pre-existing conditions or prescription drugs
Choose a deductible that makes the premium fit your budget
Immediate online issue and ID download

Simple Short Term Medical is an affordable major medical insurance designed to be an affordable way to protect you and your family from the high cost of unexpected illnesses and accidents. The online explanation of coverage makes your benefits easy to understand. Coverage is available from 1 to 12 months.
low cost health insurance
Who is eligible?
Individuals must be under age 65, have a social security number and be able to answer "no" to the seven medical questions on the application.
low cost health insurance
About the Insurance Company
Simple short term medical Insurance is issued by Fairmont Group and administered by SAS Insurance Services Inc.

Simple short term medical insurance


Effective July 31, 2010, Fairmont Simple STM will no longer be available. All current policies will remain active until they are canceled or expire. Fairmont Specialty has decided it in their best interest to discontinue offering Short Term Medical products in light of various factors including the passing of the Health Care Reform Bill.  Please use Markel Insurance Smart STM as a very similar alternative. This alterative offers deductible options of: $250, $500, $1,000, $2,000, $2,500, $3,000, or $5,000; co-insurance options of: 100%, 80%, or 50%; length of coverage options: 1-3, 1-6, 1-12 months; $1 Million lifetime maximum with 100% online enrollment. Smart accident insurance offers optional additional coverage with up to $250,000 additional protection. Both offer next day coverage.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.