Short Term Insurance

A temporary health coverage that can be used during a lapse in permeant health coverage. Some short term insurance plans offer open network where you can have the freedom to seek medical coverage in any state. While short term health insurance doesn’t follow the ACA rules, yet it provides comprehensive benefits for emergency visits and regular doctor visits.

Short term insurnace

Who is Short Term Insurance Plan For?

Below are some scenarios where you can sign up for a Short Term Health plan. If you are unsure about your situation, feel free to visit our help page or schedule a call with an expert. We are here to help you find the best coverage.

job search

Changing a Job

Ryan is moving from Chicago, IL to Ann Arbor, MI to start a new job. His new employer offers health insurance that will start 90 days after hire. Ryan can sign up for a Short Term health policy for 90 days.

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Coverage in multiple States

Maja lives between Missouri and Texas. Maja wants a plan that works the same in both states. Maja can sign up for a short term policy in Texas or Missouri renewable for 3 years.

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Missed Open Enrollment

Moe missed the open enrollment period and doesn’t have a qualifying life event to enroll in an ACA health plan, he can enroll in a short term health plan until open enrollment starts again.

student

College Student

Zack is attending his last semester of college and need health coverage until he graduates and get coverage through job or via the marketplace.

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Before Medicare

Susan turns 65 in 4 months where she will be eligible for Medicare Part A and B, She signed up for a Short Term Health Plan with accident add on.

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Affordability

Joshua couldn’t afford a health insurance premium via the marketplace and is not eligible for subsidy or Medicaid. He signed up for a high deductible short term health plan.

Short Term Health CarriersMost Popular

Short Term Medical Insurance Plans

Coverage and Services

Economy
Deductible
$3000, $5000, $7500, $10,000
Coinsurance
20% or 30%
Max. Out of Pocket
$10,000
Prescription Drugs
Discount Only
PCP Office Visit
Subject to deductible & Coinsurance
Specialist Visit
Subject to deductible & coinsurance
Additional Emergency Room Deductible
$450 plus deductible and coinsurance
Inpatient Hospital Benefits
Subject to deductible & Coinsurance
Ground Ambulance
Up to $1000 per coverage period
Air Ambulance
Up to $ 2500 per coverage period
Home Health Care
Maximum of 40 days
Atheletic Injury
Same as any other illness/accident
Mental Illness
Outpatient: $50 per visit; 10 visit max; inpatient: $100 per day, 31 days max
Network
No Network - All Access. You can see any doctor or hospital in the USA.
Out of Network Coverage
No Network - All Access. You can see any doctor or hospital in the USA.
Choice
Deductible
$1000, $2000, $5000, $10,000
Coinsurance
20% or 30%
Max. Out of Pocket
$10,000
Prescription Drugs
Discount Only
PCP Office Visit
$30 primary care doctor copay
Specialist Visit
$60 Urgent Care and Speciality physician copay
Additional Emergency Room Deductible
$250 plus deductible and coinsurance
Inpatient Hospital Benefits
Subject to deductible & Coinsurance
Ground Ambulance
Up to $1000 per coverage period
Air Ambulance
Up to $ 2500 per coverage period
Home Health Care
Maximum of 40 days
Atheletic Injury
Same as any other illness/accident
Mental Illness
Outpatient: $50 per visit; 10 visit max; inpatient: $100 per day, 31 days max
Network
No Network - All Access. You can see any doctor or hospital in the USA.
Out of Network Coverage
No Network - All Access. You can see any doctor or hospital in the USA.
Standard
Deductible
$2000, $3000, or $5000
Coinsurance
20%
Max. Out of Pocket
$5,000
Prescription Drugs
After $500 Rx Deductible generic copay $10, preferred $50, non-preferred brand $75. No speciality Drugs.
PCP Office Visit
Subject to Deductible and coinsurance
Specialist Visit
Subject to deductible and coninsurance
Additional Emergency Room Deductible
$350 plus deductible and coinsurance
Inpatient Hospital Benefits
Subject to deductible & Coinsurance
Ground Ambulance
Up to $1000 per coverage period
Air Ambulance
Up to $ 2500 per coverage period
Home Health Care
Maximum of 40 days
Atheletic Injury
Same as any other illness/accident
Mental Illness
Outpatient: $50 per visit; 10 visit max; inpatient: $100 per day, 31 days max
Network
No Network - All Access. You can see any doctor or hospital in the USA.
Out of Network Coverage
No Network - All Access. You can see any doctor or hospital in the USA.
Deluxe
Deductible
$1000, $2500, or $5000
Coinsurance
20%
Max. Out of Pocket
$3,000
Prescription Drugs
Generics copay $10. After $500 Rx Deductible. Preferred $50, non-preferred brand $75. No specialty drugs
PCP Office Visit
$30 primary care copay
Specialist Visit
$60 Urgent care and specialist copay
Additional Emergency Room Deductible
$350 plus deductible and coinsurance
Inpatient Hospital Benefits
$250 plus deductible and coinsurance
Ground Ambulance
Up to $1000 per coverage period
Air Ambulance
Up to $ 2500 per coverage period
Home Health Care
Maximum of 40 days
Atheletic Injury
Same as any other illness/accident
Mental Illness
Outpatient: $50 per visit; 10 visit max; inpatient: $100 per day, 31 days max
Network
No Network - All Access. You can see any doctor or hospital in the USA.
Out of Network Coverage
No Network - All Access. You can see any doctor or hospital in the USA.

Why Consider Short-Term Medical Insurance?

Free Look Period

If you are not 100% satisfied with your Short Term Health Insurance plan, provide a written request of cancellation within 10 days of receipt. Your premium will be fully refunded.

Telemedicine

Free and unlimited telemedicine doctor consultations 24/7 – Including dermatology consultations.

Discounts

On hearing and audiology

Discounts

On durable medical equipment.

Access

Access to health liasions who advocate for members

How it Works?

We made signing up for short term insurance easier than ever. Find the best short term coverage among different carriers.

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Tell Us About You

A little bit about you to customize plans

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Compare Plans

Review your options and choose a plan

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Enroll.

Congratulations, you are covered. Coverage can start the second day!

Frequently asked questions

What is Short-Term Health Insurance?

Short Term Health insurance is a temporary medical insurance meant to cover the insured for a shorter period.

How long can I get coverage?

Each state has their own rules on the length of coverage. Some states allow for up to 6 months of coverage with the same carrier. Other states ban short term health insurance. For example: California and Colorado DO NOT allow Short Term Health plans.

Do Short Term Health Plans cover prescriptions?

It varies by the plan you choose. Some Short-Term Health Plans offer a full prescription coverage with deductible and copays, others offer a discount card only. You can pick up the plan based on your needs.

Can I use Short Term Health Plans outside my state?

Yes. Most Short-Term Health plans have in and out of state networks. Either PPO network or Open Network.

Are Short Term Health Plans the same as ACA plans?

NO. Short Term Health Plans are not the same as ACA plans and do not offer the same coverage. Short Term health Plans may have exclusions for some services.

Do Short Term Health Plans cover pre-existing conditions?

NO. Short Term Health Plans do not cover Pre-Existing conditions. Read more about short term exclusions and limitations here.

When can I sign up for a Short-Term Health Plan?

Anytime. There is no annual enrollment period for short term health plans. Your short-term health plan can start as early as the second day.

Is Short Term Health Insurance good for me?

  • Looking for coverage between jobs and waiting for employer coverage.
  • Waiting for Medicare eligibility
  • Missed the Open Enrollment Period and waiting for a Special Enrollment Period
  • There may be other reasons to get Short Term Health Insurance, contact us to learn more.

Have Questions?

We are a phone call or an email away. Let's chat.

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