short term health insurance

Short Term Health Insurance

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Short term health insurance rates

Fast Issue:
If approved, short term health insurance can usually be in effect as soon as 12.01 AM of the day after the application is received by the health insurance company (done online or faxed), or the day after the postmark if mailed.

Why Short Term?:  Easier and quicker to apply for, usually costs less than permanent plans, ideal for gaps between permanent plans.

Period:  Minimum 1 month, maximum 6 or 12 months depending on state law.  Repurchase for another 6 or 12 months, if allowed by state law.

Choose Mode:  Either pay month by month, or pay for the whole period at once (costs less than month by month but you need to know up front how long you need it for).

Choose from:  5 insurance companies, 7 plans.
Most other health insurance companies do not offer short term coverage.  Availability varies by state.





Assurant Health® HealthSaversm

•  When the insurance company's site opens, there will be a link to plan coverage information, as well as quotes and an online application. You should read what is and is not covered.

•  Short term health insurance is not designed to cover any pre-existing conditions i.e., anything diagnosed or treated prior to the effective date, usually the previous 12 months, but may be up to 5 years in some plans.

•  Short term policies are typically designed to be temporary catastrophic coverage.  Usually, you don't get low co-pays for doctor visits or prescriptions.  Like other medical expenses, they are paid after you have first paid your chosen policy deductible.

•  A pregnant woman or expectant father is not eligible for a short term policy, in most/all states.

•  In some states, you can apply for up to three consecutive 12 month periods, so if approved, coverage could extend for up to three years.

•  If previously declined for insurance for health reasons, and the condition is still present, try this

•  If short term coverage is not available in your state, apply for a permanent plan as a substitute. Since continuous coverage is month to month, it can also be used for the short term if necessary.

Amigo Short Term health insurance

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Amigo

Available in: AL, AK, AR, AZ, CA, CO, DE, FL, DC, IA, IL, IN, KY, LA, ME, MI, MO, MS, NE, NH, NV, NM, NC, OH, OK, OR, PA, RI, SC, SD, TX, UT, VA, WV, WI, WY.

•  Urgent Care Center $50 copay, not subject to deductible!
   (does not apply to emergency room treatment at a hospital - which is subject to deductible)

•  Application does not ask for prior U.S. residency or for a Social Security number.

•  In the application, the question "Been denied insurance due to any health reasons for a condition that is still present... " limits the disqualifying extent of prior denials.

Read the "Review Coverage" summary before applying because certain procedures are not covered e.g., total or partial hysterectomy, unless it is medically necessary due to a diagnosis of carcinoma, tonsillectomy, adenoidectomy, sinus surgery, etc.

Insurer: HCC Life Insurance Company rated A+ (Superior) by A.M. Best (checked 4-2009).


Horizons short term health insurance

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AAIC — Horizons

Available in: AK, AR, AZ, CO, DE, DC, FL, GA, IL, IA, IN, KY, MD, MI, MO, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WI, WV AND WY.

•  There is no question in the application that refers to prior denial for insurance for health reasons.

•  Optional accident rider (designed to reduce your out-of-pocket cost for treatment of accidental injury).

Insurer: American Alternative Insurance Company rated A- (Excellent) by A.M. Best (checked 4-2009).


Assurant short term health insurance

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Assurant Health®  maximum benefit $2 million

Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, UT, TX, UT, VA, WV, WI, WY.

•  In the application, the question "... been denied insurance due to any health reasons that are still present?" limits the disqualifying extent of prior denials.

•  Optional riders - Accident Medical Expense (designed to reduce your out-of-pocket cost for treatment of accidental injury), Dental-Vision Savings, and Term Life Insurance

Insurer: Assurant Health is the brand name for products underwritten and issued by Time Insurance Company rated A- (Excellent) by A.M. Best (checked 4-2009).


Assurant short term health insurance

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Assurant Health® - HEALTHSAVERsm

This plan has a lifetime maximum benefit of $100,000 which allows it to have a premium approximately 28% lower than the Assurant plan in the box above.

Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, UT, TX, UT, VA, WV, WI, WY.

•  In the application, the question "... been denied insurance due to any health reasons that are still present?" limits the disqualifying extent of prior denials.

•  Optional Dental-Vision Savings rider

Insurer: Assurant Health is the brand name for products underwritten and issued by Time Insurance Company rated A- (Excellent) by A.M. Best (checked 4-2009).


Secure Short Term health insurance

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HPA — Secure STM

Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, WV, WI, WY.

•  In the application, the question "Has any person applying for coverage been declined for health insurance for a condition that is still present?", limits the disqualifying extent of prior denials. The application requires 12 months of legal U.S residency.

Read the coverage limitations (look for the link on the quote page). Items not covered may include: Participation in school or organized competitive sports or any high risk sport, over-the-counter medications and prescription drugs, surgeries such as hysterectomy (except for carcinoma), tonsillectomy, mental or nervous disorders, etc.

Prescription coverage is offered as a separate purchase.

Pre-existing conditions not covered "includes any condition or complication that was treated or produced symptoms five years prior to your STM effective date" unless limited to a lesser period by state law.

Insurer: Standard Security Life Insurance Company of New York rated A- (Excellent) by A.M. Best (checked 4-2009).


Secure Short Term health insurance 12x3

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Secure 12X3 STM

Up to 3 years of coverage in the following states: AL, AR, AZ, DE, FL, GA, HI, IA, IL, MO, NE, NM, OH, OK, OR, PA, SC, TN, WI, WY.

•  May be ideal for anyone in their 60's needing coverage until Medicare eligibility or for some applicants who cannot currently qualify for a permanent plan but do qualify for this one until permanent coverage is available.

•  Optional Supplemental Accident Benefit

•  In the application, the question "Has any person applying for coverage been declined for health insurance for a condition that is still present?", limits the disqualifying extent of prior denials. The application requires 12 months of legal U.S residency.

Read the coverage limitations (look for the link on the quote page). Items not covered may include: Participation in school or organized competitive sports or any high risk sport, over-the-counter medications and prescription drugs, surgeries such as hysterectomy (except for carcinoma), tonsillectomy, mental or nervous disorders, etc.

Pre-existing conditions not covered "includes any condition or complication that was treated or produced symptoms five years prior to your STM effective date" unless limited to a lesser period by state law.

Insurer: Standard Security Life Insurance Company of New York rated A- (Excellent) by A.M. Best (checked 4-2009).


Celtic short term health insurance

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Celtic Insurance Company

Available in: AL, AR, AZ, CA, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, LA, MD, MO, MS, NC, NE, NM, NV, OH, OK, PA, TN, TX, VA, WI, WV, WY

•  There is no question in the application that refers to prior denial for insurance for health reasons.

•  Application requires Social Security number and 2 years U.S. residence.

Insurer: Celtic Insurance Company rated B++ (Good) by A.M. Best (checked 4-2009).

Note:

IF YOU HAVE BEEN DECLINED for health insurance for health reasons and the condition is still present (even if under control), try Celtic or AAIC - Horizons.

insurancebrochure Short Term Health Insurance Quote

A second policy is not a renewal of the first, but is a new application for a new policy. In our experience, if any claims are made on the first policy, an application for a second policy would likely be declined by the same insurer.

However, provided no uninsurable condition has developed, another insurer may issue another short term policy if reapplying for short term coverage is permitted by state law.

NOTICE DISCLAIMER: The information on this page is merely a preliminary guide, is not comprehensive, and may have changed and is now inaccurate. See coverage description on the insurer page which appears when you click on the link, or in the brochure and policy for current coverage and more detail. Items listed above as items not covered are not the complete list of such items.
Licensing: The producer licences in AK, DE, DC, HI, ND, SD, MT, RI, VT, and WY will expire at various times and will not be renewed. At that time you may still be able to apply starting here but the producer in "Insurance Licensee" below will not be the producer of record (agent or broker) for you in those states.