Get Immediate Coverage

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 medical insurance is immediate temporary coverage designed to help people who need protection. Many individuals choose it when they:

• Lose job-based coverage suddenly
• Miss ACA Marketplace deadlines
• Must have insurance immediately due to moving or life changes
• Are between major medical plans
• Need protection during a short-term transition period

Short-term health insurance is not ACA-compliant and does not include all essential health benefits. But for urgent needs, it mayoffer next-day, temporary coverage.

Short-term medical insurance offers temporary benefits for sudden or unexpected medical needs. Plans may include:

• Doctor office visits
• Emergency room care
• Urgent care services
• Hospital benefits
• Diagnostic tests and imaging

You can choose your deductible, benefit levels, and plan duration. In many cases, coverage durations may begin the next day after enrollment.

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

When you’re facing an unexpected gap in coverage, long-term plans may take weeks before they begin. Short-term medical insurance may help bridge that gap with:

• Quick enrollment and rapid approval
• Coverage durations that can begin the next day for the unexpected
• Lower monthly costs compared to many private plans
• No long-term commitment

For people who need health insurance, short-term medical insurance may provide fast access to temporary protections.

Short-term medical insurance may be a good fit if you:

• Need unexpected emergency accident coverage the next-day
• Recently lost your job or employer coverage
• Missed ACA Marketplace enrollment and can’t wait for the next window
• Are waiting for new employer or membership benefits to activate
• Just moved and need coverage in a new ZIP code
• Experienced a sudden life change that left you uninsured
• Need temporary protection while deciding on long-term insurance

If you can’t go without coverage, short-term health insurance may offer fast relief.