What is a Short-Term Health Insurance Plan?

Simply put, a short-term health insurance plan, also known as temporary health coverage, is a medical plan with a limited duration that can be purchased at any time during the year. They are designed to bridge gaps in your health care coverage during a period of transition, like graduating from college, or starting a new job where you may have to wait for your new coverage to begin.

Plan Features

• Coverage up to 182 or 364 days per year (with an option to extend coverage up to two times when reapplying)
• Coverage begins as early as the next day after application
• Low, affordable monthly premiums
• Access to our SuperMed PPO network of healthcare professionals and hospitals
• Coverage can be extended to your family members and dependents under the age of 26

Short-Term Plan Designs

We offer five short-term plans that are designed to fit your budget and fulfill all your coverage needs. Our plans have different deductible amounts you can choose from and give you the option of selecting a plan with or without copays. There is even the option of choosing between 182-day and 364-day plans if you need to focus more on the length of coverage.

Short-Term Insurance FAQs

Is a short-term plan right for me?
A short-term plan may work for you if you are in-between jobs, waiting for an employer’s group coverage to start, a temporary or seasonal employee, a recent graduate and/or waiting for the next Open Enrollment Period.

What common benefits does a short-term health plan include?
Common benefits include, but are not limited to, wellness visits, doctor visits, telemedicine services, hospitalization and emergency care.

Do I need to use in-network providers and facilities?
No, but the benefit of using an in-network provider and facility will cost you less out-of-pocket than using one that is out-of-network. If you do use an out-of-network service, you will be responsible for any balance due between the provider’s charge and the allowed amount, in addition to any deductibles, copayments, coinsurance and non-covered charges.

Can I obtain a tax subsidy to help pay my premiums?
No, short-term plans do not qualify for tax subsidies. Our temporary health coverage is designed to be budget friendly and affordable.

Can I pair my short-term plan with dental, vision or accident and critical illness plans?
Yes, you may purchase any of these specialty products alongside a short-term plan to help strengthen your coverage.

What if I don’t need my transitional health coverage for as long as I had planned?
Short-term health insurance plans can be cancelled at any time without penalty.

Important Things to Keep in Mind

Short-term products are not considered minimum essential health coverage and are not compliant with the Affordable Care Act (ACA). Pre-existing conditions will not be covered and applicants are medically underwritten. When a short-term policy ends, it will not constitute a Special Enrollment Period (SEP) because the member did not lose minimum essential health coverage.