If you’re ever between jobs or in a situation where there’s a temporary gap in your health insurance, one of our short-term plans could be the answer.

What is a Short-term Health Insurance Plan?

Simply put, a short-term health insurance plan, also known as temporary health insurance, is a medical plan with a limited duration. 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 new coverage to begin.

Plan Features

Medical Mutual's six short-term plans offer the security of comprehensive coverage and provide protection from catastrophic and unexpected healthcare emergencies for up to 364 days. Plan highlights include:

  • Effective dates as early as next day of application
  • Up to 364 days of coverage
  • Access to our large, statewide provider network
  • Coverage for telehealth services, including with Cleveland Clinic Express Care
  • Low, affordable monthly premiums
  • Well child services (to age 9), well child care exams, immunizations, labs, routine mammograms and routine pap tests

Important Things to Keep in Mind

Short-term plans are not compliant with The Affordable Care Act (ACA) and do not have coverage requirements. Pre-existing conditions are not covered and applicants are subject to answering medical questions and receiving Underwriting approval.

Is a Short-term Plan Right for You?

Short-term plans may work for you if you are:

  • Between jobs
  • Waiting for an employer’s group coverage to begin
  • A temporary or seasonal employee
  • A recent graduate
  • Waiting for the next open enrollment period

Ready to Shop?

Get a quote online or call us at 1-855-444-0162. You can also call your licensed insurance agent.

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 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 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.