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

Short Term Medical Plans Highlights:

Some key features and benefits of Short Term Medical Plans

    ✅Office visits for everyone. Copay options available.

    ✅Next day effective dates. No need for special enrollment period or qualifying life event.

    ✅Deductible waived on Urgent Care visits

    ✅Prescription drug options. Choose either a discount on drug option or coverage

    ✅Flexible coverage periods and solutions

    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.

    map

    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.

    man

    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.

    lady

    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.

    man

    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.

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    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.

    question

    Tell Us About You

    A little bit about you to customize plans

    compare

    Compare Plans

    Review your options and choose a plan

    handshake

    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.

    COBRA vs. Short Term Health Insurance

    If you lose health insurance coverage through your employer, you can enroll in the Consolidated Omnibus Budget Reconciliation Act (COBRA), which requires insurers to provide a temporary continuation of your same health insurance that would otherwise be terminated. You maintain the same medical, dental and vision benefits you had with your employer-provided coverage. However, your previous employer will no longer cover part of the monthly premium; instead, you have to pay the full premium, plus an administrative fee. Usually about 102% of the plan cost.

    COBRA is more expensive than short-term health insurance, in some cases a short term health plan may be a better option until the new employer coverage kicks in. If you are between jobs or need assistance finding the best option for health coverage, contact Smart Insurance Agents for a free advise.

    Short Term Health Insurance Plans:

    Choosing the right short-term medical insurance is important to ensure that you are getting the best coverage. Short-term health plans do not meet minimum essential coverage requirements and may not cover preventive services. They do not cover prescription drugs or maternity care, however. To qualify for short term medical insurance, you must meet certain criteria, including medical underwriting. The application process will include health-related questions. If you give false information, your application will be rejected.

    Those looking for a short term health insurance plan need to find out if it will cover all of their needs. In addition to the cost of premiums, they must check the terms of the plan to ensure they are affordable and have good coverage. Unlike long-term health insurance, short-term plans are designed to fill in the gaps in coverage. Therefore, they are not suitable for long-term coverage. Nonetheless, they are the ideal solution for short-term health coverage.

    Short-term health insurance is the best solution to fulfill health insurance needs outside the Open Enrollment period. The best use for this type of policy is to fill in the gap between two health plans. You may need this type of coverage to transition to Medicare or start a new job. Also, if you have pre-existing conditions, you may not be eligible for a short-term plan. These plans do not cover chronic conditions and cannot be extended for more than a year.

    States where you can NOT buy short-term health plans:

    California 

    Colorado

    Connecticut

    District of Columbia

    Hawaii

    Maine

    Massachusetts

    New York

    New Jersey

    New Mexico

    Rhode Island

    Vermont

     

    Have Questions?

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

    Based on 19 reviews.
    Cassandra Heitman
    Cassandra Heitman
    March 14, 2022.
    Verified
    It's a pleasure to work with Tarek El Ali! He helped me successfully get medical coverage for my small business. He made the process very easy and he responds to all concerns promptly. Thank you, Tarek.
    arron draper
    arron draper
    January 8, 2022.
    Verified
    I worked with Tarek to find a suitable Medicare plan for my husband. We got it handled in one phone call. I was so impressed! Now I am becoming eligible for Medicare and worked with Tarek again. He was amazing! We found an affordable plan that meets all of my needs. I highly recommend him and will use his services again in the future.
    Erika Vevang
    Erika Vevang
    January 5, 2022.
    Verified
    I was previously working with someone through my franchise company to set up insurance for my employees. Low and behold after weeks of working with her she was not able to complete my process and was not very responsive when I asked her questions. She referred me to Tarek to finish up and he immediately contacted me and got my plan completed within the day! He was super nice and made sure my account was set up and ready to go before we missed our deadline. Highly recommended!
    Kyle Lanza
    Kyle Lanza
    January 4, 2022.
    Verified
    Healthcare.gov can be a little confusing so I called them up for help figuring everything out when I turned 26. Tarek is excellent at what he does. He had everything figured out for me in less than 15 minutes on the phone with him. I was so impressed that he will continue to be my go to guy for anything heath insurance related. I can not recommend him enough.
    Jeffrey Walker
    Jeffrey Walker
    December 30, 2021.
    Verified
    This is our 2nd time working with Tarek to find the right health insurance policy for my small business. In both cases the knowledge of the changing insurance landscape in Illinois has helped us greatly.
    Craig Baglien
    Craig Baglien
    December 19, 2021.
    Verified
    Smart Insurance Agents especially Tarek were extremely helpful in selecting and also answering follow questions on the offering I selected.
    Peter Ward
    Peter Ward
    December 15, 2021.
    Verified
    Tarek has help me multiple times with finding appropriate insurance options. He listens to specific needs and helps find fitting plans. The process is smooth and quick but also informative. He is very professional and responsive.
    JeongHun Paik
    JeongHun Paik
    December 14, 2021.
    Verified
    Very professional and trustworthy! As all the other reviewers posted, Tarek did an awesome job! Thank you!
    Paulina Pietras
    Paulina Pietras
    December 11, 2021.
    Verified
    Jessica Wheeler
    Jessica Wheeler
    December 11, 2021.
    Verified
    Tarek El Ali was amazing! He is so helpful and I finally have an insurance plan that I truly believe is right for me! Thank you!! Highly recommended!

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