Free Market Health Plans
SHOP Center – Short Term Medical Plans

There are many ways you can structure a health insurance policy. Its important that choose the Right Coverage that has Real Value. Short Term Medical plans can be a very effective and economical way to secure protection from medical expenses. The length of the terms vary by state and can be good for up to three (3) years. Here are some recommendations and suggestions for your best value with each company.

Always be careful to check and select the effective date you want the coverage to start, and it’s the plan you want. Call us anytime for help at 855-222-7033, or schedule a Consultation and we will call you at a specified time.

National General offers a variety of Short Term Medical plans using the Aetna PPO large national network that provide you the most choice.  These plans offer the best overall value and pricing of all on the market. Plans that we recommend:

OHIO, KENTUCKY, INDIANA, FLORIDA

Max Term:  24 – 36 Months

Best Plan:  Enhanced PPO plans, 100% co insurance.  Once your reach your deductible plan pays 100%, which also serves as your out of pocket maximum.  It also has a $50 co pay for urgent care.

Tips: When selecting short term coverage, choose two 12-month terms or the renewable option with 2 renewals.  Considering adding a Plan Enhancer, this provides you additional coverage to lower your deductible for an accident or hospital stay.

More information on National General/Aetna Plans, check doctors at www.aetnachoiceppo.com

Link to Shop & Enroll

United Healthcare

As the largest health insurer in the United States, all of UHC’s plans include access to the very large United Choice Network of doctors, hospitals and facilities. This also provides you access to their negotiated rates, providing you some of the lowest medical costs available.

OHIO
Max Term: 360 Days

Best Plan: Short Term Medical Plus Elite A, this provides you a simple plan that has a deductible, then the plan pays 100%. The deductible also serves as your out of pocket cap for medical expenses, with $2.0 million in annual coverage. It also has  a  $75 co pay for Urgent Care.

Tips: Be sure to select he maximum number of days for the plan (360).

More information on United Healthcare Short Term Plans

Link to Shop & Enroll

KENTUCKY, MISSOURI, FLORIDA, NORTH CAROLINA, GEORGIA
Max Term: Three (3) years

Best Plan:  Tri Term Co Pay Select Max, this provides you a plan good for 3 years and also includes doctor and RX co pays with $2.0 million in annual coverage.

More information on Tri Term

Link to Shop & Enroll

Pivot Health

Pivot offers a variety of Short Term Medical plans that feature an open network, you can go to any doctor, hospital or facility and be covered with their plans. 

OHIO, KENTUCKY, FLORIDA, GEORGIA, PENNSYLVANIA

Max Term: 2 years (2 x 364 Days)

Best Plan: The Choice Plans offers the best overall value, good for up to 2 years with $1.0 million of coverage each year. It is one of the best priced plans in the market.  The Deluxe Plan offers more benefits, including prescription coverage, the only plan that offers this to the full policy limit.

Tips: Be sure to select the max coverage of $1.0 million per year, and add the second year to the plan as it does not cost much more.

INDIANA, MISSOURI

Max Term: 1 Year (2 x 180 days)

Best Plan: The Choice Plans offers the best overall value, good for up to 2 years with $1.0 million of coverage each year. It is one of the best priced plans in the market.  The Deluxe Plan offers more benefits, include prescription coverage.

Tips: Be sure to select the max coverage of $1.0 million per year, and add the second year to the plan as it does not cost much more.

More information on PIVOT Health Plans

Link to Shop & Enroll

Bridge to Medicare Plan – Pivot also offers a very unique health plan for those folks who are 62 years or older. The plan includes a short term plan, good until they get to Medicare along with some additional benefits to create a robust plan.  Its is only available in a few states.

OHIO, FLORIDA, KENTUCKY, GEORGIA

Max Term: Up to three (3) years

More information on Bridge to Medicare Plan

Link to Shop & Enroll

IHC Group

IHC has specialized in the individual insurance market for many years and have some innovative plans.  Their plans include a large network or providers, that give you flexibility to see the doctors you want.

OHIO

Max Term:  364 days

Best Plan:  Connect STM is a good short term plan that provides extensive coverage for medical expenses.  Connect Plus also provide coverage of up to $25,000 per team for pre-existing conditions, the only plan that has that benefit.

Tips: Be sure to select 364 days of coverage

More Information on IHC Short Term Plans

Link to Shop & Enroll

INDIANA, KENTUCKY, FLORIDA, GEORGIA

Max Term:  36 Months (3 years)

Best Plan:  Connect STM or Connect Plus with Extend (max 36 months term).  With Connect Extend you have rate certainly for 36 months, as coverage and price is guaranteed.

Tip:  Select 364 days in quoting, then add 24 months.

More Information of IHC Short Term Plans

Link to Shop & Enroll

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