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Free Market Health Plans

SHOP Center – Medical Health Plans

There are many ways you can structure a health insurance policy. It’s important that you choose the Right Coverage that has Real Value. ACA/Marketplace Plans can be a very affordable way to obtain health insurance, with credits based upon your income. 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.

ACA/Marketplace Plans

ACA/Marketplace Plans can be a very affordable way to obtain health insurance, with credits based upon your income.

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National General offers a variety of Short Term Medical plans using the Aetna PPO large national network that provides 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 the 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. Consider 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

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, 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 the maximum number of days for the plan (360).

More information on United Healthcare Short Term Plans

KENTUCKY, FLORIDA, NORTH CAROLINA, GEORGIA, SOUTH CAROLINA, INDIANA

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

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

Max Term: 2 years (2 x 364 Days)

Best Plan: The Choice Plans offer 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 on 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, OHIO

Max Term: 1 Year (2 x 180 days)

Best Plan: The Choice Plans offer 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.

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

IHC Group
IHC has specialized in the individual insurance market for many years and have some innovative plans. Their plans include a large network of 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 provides 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

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.

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

More Information of IHC Short Term Plans

Need Assistance?

Simply call us at 855-222-7033 and we can guide you and answer any questions.

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