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Short Term Health Insurance

Helping Fill in the Gaps for Individuals and Families with Temporary Health Insurance

Short Term Medical^SM Plans are health plans designed to bridge gaps in coverage for individuals and families in times of transition:

• New graduate that can no longer be on their parent’s insurance – health care insurance options for grads and learn about student health insurance
• In-between jobs – health insurance plans to fit your budget
• Waiting for benefits to begin at a new job
• Early retirees waiting for Medicare
• As temporary alternative to COBRA insurance¹

Because we know that life can change quickly, our short term insurance plans give you the flexibility to drop your coverage at any time without penalty; or apply for another term of coverage.² Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.

Temporary insurance plans are usually more affordable than traditional individual health coverage. Take a few minutes to check out our short term insurance quotes and see for yourself! Don’t forget to explore our prescription drug discount cards and prescription drug copay coverage, too.

Check out our options (availability varies by state):

1. Short Term Medical^SM Value

   Tanya just graduated from college. She’s played soccer since grade school and knows that accidents just happen, on and off the field. While she looks for that first job on her career path, Tanya has a Short Term Medical^SM Value plan for more affordable coverage. She selected a lower premium plan with a new deductible for each illness or injury.⁴

   • Costs less than our Copay and Plus plans
   • Deductible amount goes toward each illness or injury; not per term
   • Deductibles from $500 to $5,000 per cause; after deductible is met we pay 80% of covered expenses up to $20,000, then we pay 100% of covered expenses after that
   • $4,000 Coinsurance out-of-pocket maximum per cause

   See detailed plan options for Short Term Medical^SM Value

2. Short Term Medical^SM Copay

   Mike lost his job and is actively looking for a new one. The high cost of COBRA health coverage had him seeking an alternative. Mike takes several prescription medications and visits his doctor multiple times a year. He chose Short Term Medical^SM Copay, because it’s like his previous employer’s health plan, with a convenient, predictable copay for doctor visits and prescriptions.³

   • $35 in-network doctor office visit⁴
   • Prescription drug copay coverage⁵
   • Deductibles from $500 to $10,000 per term; after deductible is met we pay 80% of covered expenses up to $20,000, then we pay 100% of covered expenses after that
   • $4,000 Coinsurance out-of-pocket maximum per term

   See detailed plan options for Short Term Medical^SM Copay

3. Short Term Medical^SM Plus

   Brent is a single father now, and he’s responsible for his little girl. So, a budget for his family’s needs is important. More certainty about out-of-pocket medical expenses is what he wants. With Short Term Medical^SM Plus, Brent has a short term health insurance plan with a set deductible and coinsurance for the coverage period his family needs.⁴

   • Offers more coverage than Value plan
   • Great for those who seek predictable out-of-pocket expenses
   • Deductibles from $500 to $10,000 per term; after deductible is met we pay 80% of covered expenses up to $10,000, then we pay 100% of covered expenses after that
   • $2,000 Coinsurance out-of-pocket maximum per term

   See detailed plan options for Short Term Medical^SM Plus

Don’t forget to check out our other plans

• Copay Health Insurance
• Dental Insurance Plans
• Health Savings Account (HSA) Plans
• High Deductible Health Insurance

¹ Personal insurance is not the same as COBRA, so review your COBRA information carefully. Failure to elect and exhaust COBRA coverage will eliminate HIPAA eligibility. You may have additional rights under state law. ²Somes states excluded. ³ These are hypothetical people for illustration purposes. ⁴ 1-3 month term receives 1 visit per person, 4-6 month term receives 2 visits per person, 7-11 month term receives 4 visits per person. ⁵ Tier 1 drugs: $15 copay, no deductible; Tier 2 drugs: $35 copay; Tier 3 drugs: $65 copay; Tier 4 you pay 25% coinsurance, Tiers 2-4 have a combined $500 deductible per policy term. Policy form numbers C-006.4, MGR03927, GRI-H-5.8P-05, GRI-H-5.8V-05, GRI-H-5.8P-06, GRI-H-5.8V-06, GRI-H-5.7, GRI-H-5.7-10, GRI-H-5.7-15, GRI-H-5.7-16, GRI-H-5.7-39, GRI-H-5.7-40R, GRI-H-5.7-49. For costs, benefits, exclusions, limitations,, eligibility, and renewal terms, call a licensed Product Advisor to discuss your short term insurance options at (800) 273-8113. Interested in short term insurance quotes? Get a FREE short term insurance quote online now!
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