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the plan summary below. From there, you’ll start our online application and complete the purchase.
For most people, it’ll take 2 minutes from here to get enrolled.
Your Personalized Plan
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Plus one-time enrollment fee.
Rates are subject to change during the second and third year coverage periods.
Deductible
Most people have deductibles around $5,000 for themselves and around $10,000 for families.***
Coinsurance
This is the percentage you have to pay for medical bills after you’ve met your deductible.
Total policy coverage
This is the maximum amount the insurance company will pay while you are covered.
Coverage duration
This is the period of time your policy will be active
Insurance Benefits
Coverage for a variety of medical services like doctor office visits, urgent care, emergency room care, hospital stays, surgery and more after a deductible is met.Coverage to help secure your health and financial well-being
Doctor Visits
Fixed benefits for doctor office visits, doctor office visits, hospital stays and more
First Health PPO Network
Access to more than 5,300 hospitals, over 100,000 ancillary facilities and over 695,000 professional medical providers. See www.firsthealthlbp.com to search for your provider.
Access to The Cigna PPO Network
With Quantum plans, you have access to nearly 1 million in-network providers and medical facilities through the Cigna Network.
With Epic plans, you have access to nearly 1 million in-network providers and medical facilities through the Cigna Network.
Doctor Visit Copays
$30 copay for primary care visits (physician) and $60 for specialists and urgent care. Additional services and tests are subject to deductible and coinsurance. Up to 3 visits per coverage period.
Prescription Drug Copays After $500 Deductible (No Deductible on Generic Drugs)
Prescription drug copay of $10 for generic drugs before any deductible. After reaching a $500 deductible, get prescriptions on brand name or preferred drugs filled with a fixed copay. $50 copay on preferred drugs and $75 on brand drugs. No specialty drugs are covered. Check with an agent if you have specific prescription drug needs.
Prescription Drug Copays (No Deductible on Prescription Drugs)
Get prescriptions on generic, brand name or preferred drugs filled with a fixed copay. $10 copay on generic drugs, $30 copay on preferred drugs and $75 copay on brand name drugs. No specialty drugs are covered. Check with an agent if you have specific prescription needs.
Prescription Drug Copays after $500 Deductible
After reaching a $500 deductible, get prescriptions on generic, brand name or preferred drugs filled with a fixed copay. $10 copay on generic drugs, $30 copay on preferred drugs and $75 copay on brand name drugs. No specialty drugs are covered. Check with an agent if you have specific prescription needs.
Prescription Drug Copays (No Deductible on Generic Drugs)
Get prescriptions on generic drugs filled with a fixed $10 copay. Preferred, brand name and specialty drugs are not covered. Check with an agent if you have specific prescription needs.
Prescription Drugs
After $500 Rx deductible, generic copay $10, preferred $50, nonpreferred brand $75. No specialty drugs.Generic copay $10. After $500 Rx deductible (does not apply to generics), preferred $50, non-preferred brand $75. No specialty drugs.
Prescription Drug Copays After $500 Deductible
After reaching a $500 deductible, get prescriptions filled with a fixed copay. On generic drugs ($10), preferred drugs ($50), and brand drugs ($75). No specialty drugs. Check with an agent if you have specific prescription needs.
Prescription Drug Copays (No Deductible on Prescription Drugs)
Get prescriptions on generic, brand name or preferred drugs filled with a fixed copay. $10 copay on generic drugs, $30 copay on preferred drugs and $75 copay on brand name drugs. No specialty drugs are covered. Check with an agent if you have specific prescription needs.
Prescription Drug Copays after $500 Deductible
After reaching a $500 deductible, get prescriptions on generic, brand name or preferred drugs filled with a fixed copay. $10 copay on generic drugs, $30 copay on preferred drugs and $75 copay on brand name drugs. No specialty drugs are covered. Check with an agent if you have specific prescription needs.
Need prescription drug coverage?
Consider our Epic PPO with Rx or Epic Base with Rx plans.
Prescription Drug Coverage
Fixed benefits so you know exactly how much is reimbursed (Select and Maximum Plans Only)
Foreign Travel Coverage
Subject to deductible and coinsurance. The treatment must be rendered for an Injury or the sudden and unexpected onset of a sickness requiring immediate medical attention. Benefits do not include prearranged services or treatment when traveling to another country to receive such medical treatment.
Preventative Care
1 visit per coverage period not to exceed $250 per coverage period.
3 month wait, 1 primary care visit and services covered at 100% up to $100 per covered person during coverage period.
Wellness Benefits
One visit annually for preventive care wellness checks
Patient Advocacy Services
Shop and compare healthcare services like you would for the best rate on a hotel. Use our patient advocates to answer questions, get the lowest pricing on a multitude of services and schedule doctor appointments. Can’t afford the final medical bill? Our advocates will help negotiate your bill down.
The descriptions above are simplified to help you understand this coverage. Please refer to the plan brochure for full coverage details.
Download Plan BrochureThis is the monthly premium and fees you pay to stay covered. You will be billed monthly unless you choose to prepay upfront for certain coverage durations.This is the monthly premium and fees you pay to stay covered. You will be billed monthly
days - Starting days is the longest you can keep coverage without re-applying. You may cancel coverage at any month.
This plan is active until cancelled. You may cancel coverage at any time.
You pay the first of covered expenses out-of-pocket until you reach your deductible amount.
There is no deductible or coinsurance. Instead, your benefits are a flat fixed rate for specific services and treatment.
Once you meet the deductible, you would pay of covered medical expenses until you reach the max out-of-pocket.
Once you meet the deductible, you would pay 20% of covered medical expenses until you reach the max out-of-pocket.
Once you have paid in coinsurance on covered expenses, the insurance will cover the rest of your covered expenses 100% until you reach your total policy’s coverage.
Once you have paid $10,000 in coinsurance on covered expenses, the insurance will cover the rest of your covered expenses 100% until you reach your total policy’s coverage.
This plan will pay a maximum of for covered medical services during the term of your policy.
No Lifetime Maximums
Access to almost 1 million unique national providers and 6,360 hospitals in-network. Members pay a discount of nearly 50% as compared to the national average Search providers now or call 866-387-5645 for assistance with provider look-up.††
No restrictions for network or specialist referrals
Every plan includes services to help find the lowest cost before seeing a doctor, and bill negotiation if you need financial assistance
Loss caused by or relating to Sickness, a Mental or Nervous Disorder or Substance Abuse will not be covered for the first 30 days after the Effective Date of each Covered Person
The descriptions above are simplified to help you understand this coverage. Please refer to the plan brochure for full coverage details.
6 per calendar year $75 per day
1 per calendar year $75 per day
2 per calendar year $15 per day
Discount Card only
1 per calendar year $750 per day
30 day maximum per calendar year $150 per day
30 day maximum per calendar year $150 per day
Per Confinement $500
Medical (365 day maximum per confinement) Calendar Year 1/Year 2/Year 3+* $1,500 per day
Medical 30 day maximum per confinement $3,000 per day
Medical 1 visit per day during confinement $50 per day
Medical maximum 2 tests per calendar year $50 per day
The descriptions above are simplified to help you understand this coverage. Please refer to the plan brochure for full coverage details.
* Hospital confinement benefit increases on a calendar year basis starting in January after year 1 for Select and Maximum plans
Personalized concierge services from Point Health Patient Advocacy Services which include support to help locate healthcare facilities, choose a provider, find the lowest cost treatment plan, negotiate medical bills, and more. Click here for additional information
Free and unlimited telemedicine doctor consultations* 24/7/365
Hearing and audiology discounts*Free dermatology consultations
Discounts on durable medical equipment
*Your coverage includes free and unlimited non-insurance telemedicine benefits (via phone or computer).
Your coverage includes free and unlimited non-insurance telemedicine benefits (via phone or computer).
*Not associated with North River Insurance Company Insurance coverages
*Not associated with Companion Life Insurance Company Insurance coverages*Not associated with Standard Life and Insurance Company Coverages
The descriptions above are a summary to help you understand this coverage. Please refer to the plan brochure for full coverage details.
Download Plan BrochureLike most short term medical plans, you should be aware this plan has Limitations & Exclusions that you should consider with your plan choice. See what’s not covered
*Plus one-time enrollment fee.
**Rates are subject to change during the subsequent coverage periods.
***Pivot Health 2020 data.
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.
What is fixed benefit insurance?
Fixed benefit medical is health insurance without a deductible. Traditional health insurance makes you pay most medical expenses out-of-pocket until you reach a certain deductible amount. Fixed benefit medical has removed the deductible barrier. Instead, you get fixed cash benefits for doctor office visits, hospital stays, lab work and more. And by working with an added benefit of a patient advocate, you know exactly what services are going to cost before going to the doctor.
How fixed benefit insurance works
- No health insurance deductible owed.
- Know what you will have to pay before any healthcare service.
- Get a flat cash payment for services to handle medical bills OR lost income.
- Let a healthcare professional negotiate your final medical bill.
- Monthly premium rate stability year over year.
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
Does Companion Life pay for the test related to COVID-19 diagnostic testing?
Companion Life Insurance Company (“Company”) is closely monitoring the COVID-19 outbreak. The Company will pay close attention to and follow the guidance and protocols issued by the CDC, CMS, state insurance departments, the FDA, and local public health departments for the benefit of its insureds. Our top priority is to protect the health and well-being of our insureds. To help, we are taking the following measures in connection with our short term medical insurance (“STM”) coverage (also referred to as short term limited duration insurance). To reduce the possibility that symptomatic STM insureds forego testing for COVID-19, we will waive cost sharing, including copays, coinsurance and deductibles, for COVID-19 diagnostic testing when recommended by the insured’s attending Physician in accordance with CDC and FDA guidelines. See herehere for more details
Michigan’s nonopioid directive form is available at this link.
Medical plans underwritten by Companion Life Insurance Company , North River Insurance Company , Pan-American Life Insurance Company.
See Plan Details for Limitations and Exclusions.
Underwritten by Companion Life Insurance Company , North River Insurance Company , Pan-American Life Insurance Company.
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 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 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.
This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.
Underwritten by Pan-American Life Insurance Company
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 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 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.
This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.
Limited Benefits-Please read your Certificate carefully
Coverage is non-renewable short term limited duration insurance and will not be renewed at the end of the coverage period.
This is a brief description of coverage provided under the Certificate of Insurance and is subject to the terms, conditions, limitations and exclusions of the Certificate of Insurance. Please see the Certificate of Insurance for complete details. Coverage may vary or may not be available in all states. Plans are underwritten by The North River Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
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 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 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.
This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.
Dental and Vision Plans
Dental and vision products are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN, and In New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies may be reached at P.O. Box 1596, Indianapolis, IN 46206. Products may not be available in all states.
Important information about Latitude benefits
- Plan benefits – Communicating for America, Inc. membership plans include both insurance and non-insurance benefits. Insurance benefits terminate at age 65. Non-insurance benefits continue until membership is terminated by member. Review the Plan Details and Certificate of Insurance for full details.
- Paperless fulfillment – Your important documents, including Certificate of Insurance, can be downloaded by you at the conclusion of enrollment. If you wish to have your membership benefits including your Certificate of Insurance mailed to you, contact Communicating for America.
Insurance benefits are underwritten by Fidelity Security Life Insurance Company ® , Kansas City, MO 64111. Insurance benefits are not available in all states. Some insurance benefits, exclusions and limitations may vary by state. Policy No. AC-26; Form No. M-3044. Discounts are non-insurance benefits.
Communicating for America is a national non-profit advocacy organization that supports affordable healthcare for all Americans. Since 1972, more than 100,000 consumers have trusted CA to help them find affordable health insurance and GAP plans to stretch their healthcare dollar while advocating on their behalf with insurance companies, regulators and lawmakers.
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.
†† Average discount based on actual paid claims for the period 1/1/17–12/31/17. Cigna analysis conducted in November 2018. Actual results may vary based on utilization, plan design and geography. Cigna analysis of the actual number of doctors in the PPO Network as of November 1, 2018. Data is subject to change.
If you experience difficulty accessing our website or require help with functionality please dial
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
Underwritten by Standard Life and Accident Insurance Company.
Plans offered are fixed benefit health coverage and are not intended to cover all medical expenses. This is not a major medical or comprehensive health policy. Benefits vary by state.
These plans are not qualifying health coverage ("minimum essential coverage") that satisfies the health coverage required of the Affordable Care Act.
This is not a Medicare supplement policy.
Dental and Vision Plans
Dental and vision products are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN, and In New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies may be reached at P.O. Box 1596, Indianapolis, IN 46206. Products may not be available in all states.
Important information about Latitude benefits
- Plan benefits – Communicating for America, Inc. membership plans include both insurance and non-insurance benefits. Insurance benefits terminate at age 65. Non-insurance benefits continue until membership is terminated by member. Review the Plan Details and Certificate of Insurance for full details.
- Paperless fulfillment – Your important documents, including Certificate of Insurance, can be downloaded by you at the conclusion of enrollment. If you wish to have your membership benefits including your Certificate of Insurance mailed to you, contact Communicating for America.
Insurance benefits are underwritten by Fidelity Security Life Insurance Company ® , Kansas City, MO 64111. Insurance benefits are not available in all states. Some insurance benefits, exclusions and limitations may vary by state. Policy No. AC-26; Form No. M-3044. Discounts are non-insurance benefits.
Communicating for America is a national non-profit advocacy organization that supports affordable healthcare for all Americans. Since 1972, more than 100,000 consumers have trusted CA to help them find affordable health insurance and GAP plans to stretch their healthcare dollar while advocating on their behalf with insurance companies, regulators and lawmakers.
If you experience difficulty accessing our website or require help with functionality please dial
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
