Short Term Health Insurance

Short term medical insurance provides

• Coverage for 30-185 days
• Up to $2 million in coverage

...and is for people who are:

• Between jobs or laid off
• Looking for a lower-cost alternative to COBRA
• Recent college graduates
• Waiting for employer-sponsored coverage
• Temporary or seasonal employees

We provide short term medical insurance through two companies, Assurant Health and Allied National. The plans are compared in the table below. Click the button for each company to learn more about their plan, get a quote, or apply for the plan on-line right now.

Who is eligible?

• Healthy individuals and children through the age of 64
• Dependent children through the age of 18
• Foreign residents living in the U.S. for at least one year at the time of enrollment, with proof of Alien Registration Receipt Card, Visa, or other appropriate documentation

Coverage is valid only in:

• The U.S., its territories, posessions, and Canada

Short term medical plan comparison

	Assurant	Allied
Maximum benefit while covered	$2 million	$1 million
Coverage term	30-185 days	30-180 days
Choose your own doctors?	Yes	Yes
Office visits and consultations	Subject to deductible and coinsurance	$25 co-pay, then covered 100%
Other office visit services (e.g. lab and X-ray)	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Prescription drugs, generic	Subject to deductible and coinsurance	$25 co-pay, then covered 100%
Prescription drugs, name brand with generic equivalent	Subject to deductible and coinsurance	Benefit paid based on price of generic
Prescription drugs, name brand with no generic equivalent	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Deductible options	$250, $500, $1000, or $2500	$500, $1000, $2000
	If the $250 or $500 deductible option is selected, a covered person needs to satisfy a deductible before benefits are paid. Families of 3 or more people will only need to satisfy a maximum of three deductibles.	This is a one-time deductible during your coverage period. If you are covering dependents there is a maximum of three deductibles per family.
Families: Single deductible available?	One Family Deductible - only one deductible needs to be satisfied by all covered family members if the $1000 or $2500 deductible option is selected.	No
Rate of payment (coinsurance), after deductible is met:	100%, 80/20, or 50/50 Note: the 100% option is not available with a $250 deductible	70/30
Covers intercollegiate, interscholastic and secondary atheletic injuries	No	Up to $10,000
Covers pre-existing conditions	No	No
Covers normal pregnancy	No	No
Payment options	Single payment, or monthly by credit card, check, or automatic deduction	Single payment, or monthly by credit card, check, or automatic deduction
Discount for single payment?	Yes	Yes
Premium refunded if policy cancelled within 10 days of receiving certificate of insurance?	Yes	Yes
Supplemental Accident Benefit Option	Yes, call us for details	Yes, $300 coverage for a small extra fee
Plan administered by	Assurant Health	Allied National, Inc.
Underwritten by	Time Insurance Company	Guarantee Trust Life Insurance Company

Both plans have additional exclusions not listed here which are fully documented in each policy. Please call us if you have specific questions.

Short Term Medical insurance is often a lower cost alternative to COBRA. To preserve your rights to guaranteed health insurance and coverage for pre-existing conditions, you may need to purchase up to 18 months of COBRA. You may forego these rights when you purchase a Short Term Medical plan or choose to go without insurance.

If you'd prefer to speak with us in person about your health insurance needs, we'd love to talk with you. Please call us at 866-528-6547.