Temporary Insurance Coverage

Short-term health plans are temporary coverage that can offer financial protection for medical services such as doctor office visits, emergency room visits, hospital stays and more. Short term medical plans can be a flexible option for individuals in an employer waiting period, between jobs or individuals who missed the open enrollment period.

Plans offer coverage for a variety of medical services like:

  • Doctor office visits
  • Emergency room care
  • Hospital stays
  • Surgery
  • And much more after a deductible is met

Each plan also includes coinsurance, which is the portion an insured is required to pay after the deductible is met.

It is important to review the Plan Details and understand full services provided, coinsurance out-of-pocket maximums, exclusions, and limitations.

It is important to know short term medical health plans are not required to meet the essential standards of the Affordable Care Act, and in some states, the length of a policy might be limited according to state-specific rules. Pre-existing conditions are also not initially covered by short term health insurance, and companies are allowed to ask medical questions in order to qualify an individual for coverage.

In most states, pre-existing conditions diagnosed within the past 5 years are generally not covered under this plan. However, qualifying conditions you develop throughout the year while insured by a short-term plan could be covered. Certain exclusions apply. See plan details for more information.

Pivot Health is the operating coverage unit of HealthCare.com, and a licensed insurance agency, product marketing and development company. We strive to educate you about healthcare with indepth information and remove pain-points that might keep you from feeling confident about your insurance purchase. At Pivot Health, we believe in transparency and invite you to ask questions online, send us an instant message, give us a call or email us for more details. No matter how you communicate, we are right there with you, assisting your decision-making process to ensure you get a health insurance plan that makes sense for your lifestyle and budget.

Get a quote for individual temporary insurance

Health Insurance Marketplace

The Health Insurance Marketplace helps you find health coverage that fits your needs and budget. Every health plan in the Marketplace offers the same set of essential health benefits, including:

  • Doctor visits
  • Preventive care
  • Hospitalization
  • Prescriptions
  • And more

You can compare plans based on price, benefits, quality, and other features important to you before you make a choice. With one application, you’ll see if you qualify for free or low-cost coverage through Medicaid or Children’s Health Insurance Program (CHIP), or for savings on a Marketplace plan. Most people who apply will qualify for some kind of savings.

How do I apply for Health Insurance Marketplace?

Open Enrollment Period is the only time you can enroll in a Marketplace plan. You can enroll in Medicaid or CHIP at anytime. During the Open Enrollment Period, you can apply for a Marketplace plan online, by phone, with a paper application, or with the help of a trained assister in your community.