Affordable Coverage Options with Pivot Health – Your Ideal COBRA Alternative

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 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 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.

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Short term health plans are cobra alternative coverage options that can offer financial protection for medical services such as doctor office visits, emergency room visits, hospital stays, and more. These short-term medical plans can be a flexible option students, people between jobs, or individuals who missed the open enrollment period.

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