Short Term Medical
Coronavirus Double Whammy - Unemployed and Unisured
You and your family may qualify for temporary short term medical insurance until you go back to work.
• Provides limited medical coverage from 1 month to 36 months.
(varies by state)
• No long term contracts –
Pay by the month
• Cancel anytime without penality – If the policy doesn’t fit your needs,
call us within 14 days and receive a full refund
(provided you haven’t filed a claim).
• You can build a plan to suit your individual needs.
Click icon for more information about the policy.
ACCIDENT AND CRITICAL ILLNESS
SHORT TERM MEDICAL
HEALTH DISCOUNT
DENTAL
Freedom to Build Your Own Coverage
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  SHORT TERM MEDICAL
  SHORT TERM MEDICAL
Short Term insurance is used to provide coverage for 30- 364 days depending on the state you live in. Extended coverage for up to 36 months may be available as well. You might need a short term policy if you:
- Missed the open enrollment period and are not eligible for special enrollment under the Affordable Care Act
- Are waiting for health insurance benefits to begin
- Are looking for coverage to bridge you to Medicare
- Need an alternative to COBRA
This policy is temporary coverage and does not meet the Minimum Essential Coverage requirements under the Affordable Care Act.
Policy availability and coverage varies. Get a custom quote to see your coverage options.
Further Information and details.
ACCIDENT AND CRITICAL ILLNESS POLICY
Your policy may cover:
- Accident Medical Expenses
- Accident Hospital Confinement
- Accident Disability Income
- Accidental Death and Dismemberment
In addition your policy may also cover:
Many common critical illnesses are covered under the Accident/Critical Illness policy. With the policy, you may be covered for:
- Life-Threatening Cancer
- Heart Attack
- Kidney Failure
- Stroke
- Coma
- Coronary Artery Bypass
- Loss of Sight, Speech or Hearing
- Paralysis
- Severe Burn
Further Information and details.
This is a limited benefit insurance policy and does not meet the "Minimum Essential Coverage" required under the Affordable Care Act.
  HEALTH DISCOUNT PROGRAM
The Health Discount Program is a combination of different discounts and services. This plan may help with costs not covered by your traditional insurance. The plan includes discounts for:
- Prescription Discounts
- Alternative Health and Wellness (Chiropractors, Acupuncture, Select Fitness Centers, and more)
- Durable Healthcare Supplies
Services include:
- Telemedicine
- Medical Bill Negotiation Service
- Expert Medical Review
- Healthcare Assistance
- Counseling Program
Policy availability and coverage varies. Get a custom quote to see your coverage options.
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Further information and details.
This discount program is not insurance coverage and does not meet the "Minimum Essential Coverage" required under the Affordable Care Act.
DENTAL
Smile knowing your teeth are taken care of with Dental Insurance. A Dental Policy may cover cleanings and other preventative care as well as some procedure costs. Consult our policy comparison tool for details about your available coverage.
Further information and details.
Frequently Asked Questions
Is supplemental insurance necessary?
You are not required to have Supplemental Insurance. However, many people benefit from supplemental policies.
Supplemental Insurance can help fill in the gaps left by your primary insurance. You might have great health insurance that covers your medical bills, but you still have to pay co-pays, deductibles.
Major medical coverage can have high deductibles and co-pays, which could put a financial burden on you. Supplemental insurance can provide payment to make up for this loss of work income.
In addition, you may need temporary insurance until you can obtain insurance through your employer, or your employer may not provide coverage that meets the needs of you and your family.
How does an Accident or Critical Illness policy work?
Accident and Critical Illness policies work by paying a lump sum directly to you for a qualifying illness, and paying a fixed amount to you for a qualifying injury.
Can I choose how I spend the money?
An Accident and Critical Illness policy provides coverage for Accidental Injury and Critical Illnesses and can pay directly to you or someone you designate, such as a doctor or medical facility.
Our Accident and Critical Illness coverage is bundled into one policy so you receive coverage for both. More information on this policy is located here
Why Should I purchase an individual Dental?
Dental procedures are expensive, and many times you may not be able to afford to go to the dentist. Dental insurance helps you pay the cost of both routine and unexpected dental visits.  This is especially valuable if your employer does not offer Dental coverage.
What does a Dental policy cover?
Policies vary depending on the level of coverage you select and the state you live in. Some things included with a Basic plan are 2 routine cleanings, 1 bitewing X ray a year, and some portion of more extensive care such as fillings and extractions. View your Dental policy options HERE
What is a Medical Savings Policy?
With a Medical Savings Policy, you have access to discounts for non- traditional health care options as well as services that can help lower your medical bills. More information on this policy is located HERE.
What is A Short Term Medical Policy
A Short Term Medical Policy is meant to be used temporarily, anywhere from 30 to 364 days, when you do not have comprehensive health insurance. You may need this policy to provide coverage until you have a full health insurance policy.
Short term medical policies do not meet the “Minimum Essential Coverage” under the Affordable Care Act. Benefits, exclusions and limitations vary. Not available in all states.
Is A Short Term Medical policy the same as a normal health insurance policy?
No. Short term medical policy, or temporary health insurance, provides less coverage than normal health insurance and have limited durations depending on your state of residence.
Are any documents required?
No documents are required for any of these policies. You also do not need to be a United States citizen or have a social security number.
Supplemental insurance does not meet the Minimum Essential Coverage requirements set by the Affordable Care Act.
Does Supplemental Insurance meet the coverage requirements in the Affordable Care Act?
No. Supplemental insurance does not meet the requirements set by the Affordable Care Act. These policies are not intended to be used as comprehensive health insurance.
What if I decide I don’t need a policy I have purchased?
Supplemental coverage can be modified or changed at any time. If you choose to cancel your policy in the first 15 days, you will receive a full refund. Unlike policies provided by an employer, you do not have to wait for the open enrollment period or a qualifying event to drop or change your coverage, so the choice is up to you.
Click for Disclaimers. All products are supplemental in coverage. These products do not replace those required through the Affordable Care Act.
