Short-Term Health Insurance
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Buyer's Guide For Short-Term Medical
Step One
Understand What's Most Important to You
Benefits
What kind of short-term medical insurance benefits are you looking for?
Step Two
Choose a Plan Type You Are Interested In
Choose between short-term medical insurance plans by reading the descriptions below and consulting our brochures.
Step Three
Next, run a quote and review which plan fits you best, and be sure to check out the plan details. You can also browse available plans by sorting your plan results. Begin by choosing specific plans to compare and then select the one that fits your needs and budget by adjusting deductibles, maximum coverage limits, coinsurance or monthly premium (your cost).
Step Four
Check Eligibility And Enroll
Once you select your plan, your eligibility will be verified and you will have the opportunity to go over the exclusions. Be sure to review the exclusions and limitation of the plan you select.
Finally, fill out your application and get coverage for starting as early as the next day!
Keep in mind that when you're ready to enroll, you can continue the application, or call for assistance.
Get Started!
Start by Adding Your ZIP Code
Please enter your 5-digit ZIP code.
Top FAQs about Pivot Health
Who is 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 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.
What's covered in our plans?
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.
What is short-term health insurance?
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.
How do our plans differ from ACA?
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.
Do Pivot Health policies cover pre-existing conditions?
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
PivotHealth.com is the website domain of PivotHealth Holdings, LLC (Pivot Health), a wholly-owned subsidiary of HealthCare, Inc. This website serves as an invitation for you, the customer, to inquire about further information regarding health insurance, and submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of insurance.
Pivot Health develops and markets a portfolio of proprietary health insurance and supplemental insurance products under the Pivot Health brand in addition to serving as a licensed broker under PivotHealth Holdings, LLC. Pivot Health may earn revenue for clicks, calls and insurance applications generated, and may be compensated by its advertisers for sponsorship. Compensation may impact where and in what order insurance products appear. Pivot Health’s platforms do not include all health insurance companies or all available insurance products.
ACA enrollment availability varies by state. Short-term health insurance can be purchased at any time.
IMPORTANT NOTICE ABOUT SHORT-TERM PLANS:
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.
About the Cigna PPO Network†
Pivot Health is an independent company and is not an affiliate of Cigna. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo and other Cigna marks are owned by Cigna Intellectual Property, Inc.
† The Cigna PPO Network refers to the network of providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO Network for Shared Administration, provider counts as of November 1, 2018. Data is subject to change.
About Website Accessibility:
If you are experiencing difficulty accessing our website content or require help with site functionality, please use one of the contact methods below.
For assistance with Medicare plans dial 888-391-5203
For other plans please dial 888-380-0672
Our goal is to provide products that help you pivot to meet your own individual health insurance needs today.
