Flexible, Budget-Friendly Health Coverage for Up to 364 Days
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Availability of plans and policy duration vary by state.
Pivot Health
Short-Term Medical Plans
*Policy duration varies by state availability.
- Up to $1,000,000 in benefits per coverage period
- A range of deductible choices, to meet your budget, from $1,000 to $10,000
- Only 20%-30% coinsurance
- Hospitalization, surgery and medical services coverage
- Physical therapy
- Mental health services
- Home health care and extended care facility
- On select plans, separate prescription drug benefits and copays on physician visits
- Coinsurance maximum out-of-pocket as low as $3,000 per person, per coverage period on select plans
- Child-only coverage available
- Ovarian cancer screening and one annual pap smear per year, per covered female age 18 and over (on Classic plans)
- See our short term medical plan brochures: Classic plans | Core plan
Here's When Many Pivot Health Members Choose Short-Term Medical Plans
Find you the most benefits for the budget you desire.
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How Pivot Health
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Top FAQ’s about Pivot Health
Healthcare is expensive. Health insurance doesn’t need to be. We help you build a health plan that works for your busy life at a price you can afford.
Pivot Health is not just a digital company, but a team comprised of insurance-industry pros and healthcare technology experts who believe you should be in control of your health insurance shopping experience. We strive to educate you about healthcare with in-depth 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.
Plans offer coverage for a variety of medical services like doctor office visits, emergency room care, hospital stays, surgery and more after a deductible is met. Some plans offer doctor office copays for primary care and Urgent Care. 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.
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, individuals who missed the open enrollment period or those who want lower-cost coverage while they decide what to do about enrolling in an Obamacare (ACA) plan.
Short-term health insurance typically costs 50 percent less than Obamacare (ACA) plans. You have a choice of seeing any doctor you want with our open access network or enroll in a PPO network plan. Plus, there are extra benefits associated with the plan that help keep your medical costs under control. In addition to insurance coverage, every member has access to low-cost, non-insurance telemedicine video visits with a licensed physician based in the U.S., and discount vision and eye benefits.
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.
This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy/Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your Policy/Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.
Short-term health insurance plans are generally less expensive than qualified health plans under the ACA (also called major medical health insurance), but do not offer the same level of coverage. Short-term health insurance plans are intended for people who do not want or cannot afford major medical insurance or who want a temporary form of limited coverage before they obtain major medical health insurance. Among other limitations and exclusions, short term health insurance plans generally do not cover pre-existing conditions (health and other conditions that exist at the time of application) or the minimum essential coverage of the ACA (benefits such as mental healthcare, pregnancy and childbirth, preventive care, etc.).
Short-term health insurance plans are limited in duration and you will stop receiving benefits when the plan expires. Plan duration and whether you can renew or buy a new plan after plan expiration depend on the plan you choose and the laws in your state. After a short-term plan expires (in some cases, in only 3 months), you must reapply to receive further benefits. If you are accepted for an additional term under a short-term health insurance plan, the plan's deductible and other amounts reset so that amounts paid (or the satisfaction of conditions) under the initial plan are ignored. Similarly, whether you have pre-existing conditions will generally be determined anew as of your approval under the new application. Insurance companies and state laws limit the number of times a short-term insurance policy may be renewed and may restrict your ability to apply for more than one consecutive short-term health insurance plan. Please review the plan details and policy terms for the maximum coverage period allowed by the plan you select.
Our goal is to provide products that help you pivot to meet your own individual health insurance needs today.