Short Term Health Insurance Plans
Temporary health insurance, also known as a short term plan is a quality, affordable plan of medical insurance designed specifically for people who are temporarily without health insurance. Coverage can become effective as early as the next day, be purchased for periods as short as 30 days or up to 180 days, and paid for in a single payment or in easy monthly installments.
Short-Term Health Insurance is for People in Transition.
Short Term policies can provide an affordable safety net for healthy individuals and families who are transitioning from one life event to another without a basic health plan. Depending on the short-term plan, benefits can be wide-ranging, with some policies providing up to $5 million in individual coverage.
Ideal Protection for Persons:
- Cobra Insurance Alternative
- Between Jobs, Laid Off, on Strike
- Attending School or Recently Graduated – If you are a student looking for student insurance
- Employed Part-Time or Temporarily
- Waiting for Permanent Health Insurance to Begin
- Temporarily Without Health Insurance for Most any Reason
How Does It Work?
A short-term health insurance policy works like an “indemnity” plan, giving you the freedom to go to any doctor or specialist you like. However, most plans require that you obtain pre-certification from your insurer before you are hospitalized (except for emergency treatment). Without pre-certification, the plan may not reimburse you for hospital bills.
Surgery, hospital care, emergency services, diagnostic tests, prescription drugs, follow-up office visits and even limited mental health care could be included under a short-term health policy.
While many short-term policies are usually renewable for a total of 36 months, keep in mind that if you file a claim under your short-term policy your insurer will likely not renew the policy again. They might offer you another policy, but they will treat any injuries or illnesses that occurred during your previous short-term policy as a pre-existing condition.
Most reputable insurers offer a 30-day guarantee of satisfaction and will refund 100 percent of your premium within this time should you decide you don’t want the policy after all. In order to get your money back, you can’t have made claims under the policy.
If you are curious about any of the insurance options we offer, call us at (561) 254-1257.
Short Term Health Insurance
- UnitedHealthOne (3 month limit)
Pivot-CompanionLifeSTMBrochure Oct 2017 360 day limit
Most of the questions I receive are answered below, so please read carefully.
Many people consider short term plans; catastrophic coverage. That’s one way of
describing it. There is no Annual Enrollment Period for any short term plans.
You can apply and cancel whenever you want to. You can apply as late as Dec 31st
if you want a Jan 1st effective date. You can apply now as well. You do have to
provide payment info to complete the application. Your application is approved
quickly, usually immediately. And, you’ll be able to print out your ID card immediately
after you complete your application.
ACA (affordable care act) compliant plans from: BCBS, AvMed, Molina and
Ambetter are the only Federally compliant plans left in Florida and are all available
However, most people agree that they are too costly. I’m no longer involved with
any of these ACA plan options at this time, only the short term option.
Aetna, Cigna, Humana, Coventry and Unitedhealthcare ARE NOT
offering ACA major medical compliant plans in Florida.
Short term plans are not ACA compliant; do not cover any pre-existing issues
whatsoever, including pre-existing medications, maternity, mental health, drug rehab
and wellness visits. New Medications are covered at either a discount or a copay.
The short term plan from National General is available in Florida and most other states.
The Provider Network is Aetna Choice PPO, which provides up to 360 days of coverage
Click HERE for quotes and to apply
For the Short Term Major Medical, you’ll have to choose the: STM Standard Issue
However, there are other supplemental health products available, such as: Dental,
1st dollar accidental / injury coverage as well as a hospital indemnity limited benefit
plan (all of which can limit your financial exposure to one degree or another).
A client verification is required after you submit an application. After you apply,
You’ll receive an email regarding how to do this and how to obtain your ID card.
Find a provider at: http://www.aetna.com/dse/search?site_id=mymeritain
Choose the: Aetna Open Choice® PPO Network
National General Holdings Corp. (NGHC) is a publicly traded company with approximately $2.5 billion in annual revenue. The companies held by NGHC provide personal and commercial automobile insurance, recreational vehicle and motorcycle insurance, homeowner and flood insurance, self-funded business products, life, supplemental health insurance products, Short Term Medical, and other niche insurance products.National General Accident & Health, a division of NGHC, is focused on providing supplemental and short-term coverage options to individuals, associations and groups. Products are underwritten by Time Insurance Company (est. in 1892), National Health Insurance Company (incorporated in 1965), Integon National Insurance Company (incorporated in 1987) and Integon Indemnity Corporation (incorporated in 1946). These four companies, together, are authorized to provide health insurance in all 50 states and the District of Columbia. National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation have been rated as A- (Excellent) by A.M. Best. Each underwriting company is financially responsible for its respective products.
- Humana HMO & PPO Dental with Vision option
- Dental Discount Plans
- PPO Dental Plans (Delta, Carrington, Ect)
- Click HERE for Spirit Dental Plans (up to $3500 max benefit plans)