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Your Personalized Plan

Stress-free coverage when you need it! Sign up now! Cancel anytime!

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Our Experts Say: Smart shoppers get the highest coverage amount and lowest deductible to fit into their monthly budget.

/mo*

Plus one-time enrollment fee.

Rates are subject to change during the second and third year coverage periods.

Set your deductible

Most people have deductibles around $5,000 for themselves and around $10,000 for families.***

Set your coinsurance

This is the percentage you have to pay for medical bills after you’ve met your deductible.

Set your total policy coverage

This is the maximum amount the insurance company will pay while you are covered.

Set your coverage duration

Add a second health plan to your enrollment for an extra /mo. Cancel at anytime**

Don’t worry! You can always reset all your adjustments if you want to go back to the default plan settings.

Our Experts Say: Smart shoppers get the highest coverage amount and lowest deductible to fit into their monthly budget.

/mo*
Pricing based on: You
Plan starts on
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Insurance Benefits

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.

Provider Network

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

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

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.

Need prescription drug coverage?

Consider our Standard or Deluxe plans.

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.

Need prescription drug coverage?

Consider our Epic PPO with Rx or Epic Base with Rx plans.

Traveling

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

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.

Monthly Cost

This 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.

Coverage Period

days - Starting days is the longest you can keep coverage without re-applying. You may cancel coverage at any month.

Deductible

You pay the first of covered expenses out-of-pocket until you reach your deductible amount.

Coinsurance

Once you meet the deductible, you would pay of covered medical expenses until you reach the max out-of-pocket.

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.

Total Policy Coverage

This plan will pay a maximum of for covered medical services during the term of your policy.

Cigna PPO

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.††

The descriptions above are simplified to help you understand this coverage. Please refer to the plan brochure for full coverage details.

Download Plan Brochure

Free and unlimited telemedicine doctor consultations*

Hearing and audiology discounts*

Discounts on durable medical equipment*

Your coverage includes free and unlimited non-insurance telemedicine benefits (via phone or computer). Pivot Health encourages anyone who is experiencing COVID-19 like symptoms to use this free service to get further instructions or diagnosis for their wellbeing. See herehere for more details.

Your coverage includes free and unlimited non-insurance telemedicine benefits (via phone or computer). Pivot Health encourages anyone who is experiencing COVID-19 like symptoms to use this free service to get further instructions or diagnosis for their wellbeing. See herehere for more details

*Not associated with North River Insurance Company Insurance coverages

*Not associated with Companion Life Insurance Company Insurance coverage

Like 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.

Not sure if this is the best plan for you? Don’t worry! We know this process can be difficult. Call us now at & speak to one of our licensed agents to make the best choice for you.
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Trusted by our 50,000+ members

Communicating for America, Inc. BBB Business Review

BBB rating is for Communicating for America, an association partner Pivot Health that provides non-insurance benefits for this plan. Membership not required for all states.

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.

See brochure

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

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

Medical plans underwritten by Companion Life Insurance Company and North River Insurance Company.

See Plan Details for Limitations and Exclusions.

Underwritten by Companion Life Insurance Co. and North River 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 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.

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 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.

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.

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.

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