Pivot Health FAQ

Who are Pivot Health’s insurance partners?
Short term health insurance products are underwritten by Companion Life Insurance Company, which is headquartered in South Carolina, and rated A+ by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength. Supplemental health insurance benefits are provided by Fidelity Security Life Insurance Company, which is headquartered in Kansas City, Missouri, and rated A- by A.M. Best. Zero deductible benefit plans are underwritten by Companion Life Insurance Company and Standard Accident and Life Insurance Company.

Short Term Health Insurance FAQ

Does short term insurance qualify as a major medical insurance plan and include “essential benefits” that are required by current law?
No, short term health insurance is a temporary insurance product and is not comprehensive, major medical health insurance.
Do I have time to think about short term medical and request a refund if I decide against it?
Yes, if you are not completely satisfied with your coverage, and have not filed a claim, you may send a written request to cancel your coverage within 10 days of receipt and receive a refund of premium and fees. Just contact us.
When will my payment deduct from my account?
Initial credit card or bank account charges are processed at the time the application is processed and applied to pay the first full calendar month of coverage. For all subsequent months, credit cards or bank accounts are either charged around the 10th of the month or the 22nd of the month depending on the initial enrollment date.
What providers are considered “in network” on my short term health insurance plan?
You can see any provider you would like with Pivot Health’s classic short term medical plans. However, Choice and Deluxe plans are the only short term plans with doctor copays. Economy and Standard plans do not offer doctor copays, and you have to pay for all visits out of pocket until your medical deductible is met. If you would like a PPO network, consider Core plans which work with one of the largest PPO networks in the U.S.
I have a doctor copay with my short term health plan, but the insurance company denied my claim. Why?
Not all procedures and treatments are covered with an office visit copayment. Periodic health exams, well baby care and additional tests and services do not qualify for copayment and are subject to your medical deductible. If you believe your claim has been wrongfully denied, email: clientservices@insurancebenefitadministrators.com
How do I file a short term health insurance claim?
Follow the directions on your medical ID card. Whenever possible, have your provider file your claim for you. To review your medical EOBs and claims payments, visit the ISB self-service website.
Where do I find my short term medical ID card?
Your ID card is available for download through the login on Pivot Health. If you never set up an account password or forgot your password, select “My Account” from any page and click “Forgot your password?” You will receive an email with instructions on how to access your account.
How do I reapply for short term insurance coverage?
You will receive an email when your coverage is about to expire. If you do not receive an email, you may go to www.pivothealth.com to select a new product. (Renewal options are limited by state law.)
Who do I contact if I have questions?
Questions regarding short term health insurance benefits:
Client Services Phone
Insurance Benefit Administrators
P.O. Box 2943
Shawnee Mission, KS 66201-1343
If I want more than 180-days of coverage, I have a choice between "easiest to manage" and "most affordable". What are the differences?
Pivot Health offers coverage for up to 180-days and more than 180-days. If you need more than 180-days of coverage, you can purchase 364-days of coverage which are "easiest to manage" because you apply and download your ID once. "Most affordable" is a less expensive option that provides you with four 90-day policies. Every 90-days you have to download a new ID for your next 90-days of coverage. Additional administrative work means you save on the overall cost of your plan.

Supplemental Health Insurance FAQ

Do I have to answer any medical questions when applying for supplemental health insurance?
None whatsoever! Supplemental insurance offered through Pivot Health is guaranteed issue, meaning, anyone can apply and get accepted.
What is covered by this supplemental insurance policy?
The Pivot Health supplemental health insurance plan is robust and covers a multitude of accidents, illnesses and hospitalizations so you don’t have to guess what type of supplemental plan you need to buy. Latitude, Pivot Health’s supplemental insurance plan, helps protect individuals and families from financial hardship should they experience an unexpected accident, or illness that results in thousands of dollars of medical debt. The benefit pays cash, and can be used for medical bills, child care, the mortgage and more.
What are the non-insurance benefits?
When you purchase a Latitude supplemental health insurance plan you also gain membership in Communicating for America (CA), a national nonprofit that has been providing health care advocacy to Americans since 1972. CA offers free health services and discount benefit like: Free and unlimited doctor consultations, discount prescription drugs, discount vision and eyeglass wear, and on the higher tier plans, discount MRIs and imagery services.
Which payment methods are accepted and what credit cards are accepted?
Payment is by credit card only. Cards accepted include Visa, Mastercard and Discover.
Does the initial billing draft occur immediately?
Yes, the initial draft will occur immediately.
Does subsequent billing take place on a certain day of the month?
Drafts will occur on the same date each month when coverage renews (based on date purchased).
How does the billing draft appear on my bank statement?
You will see one charge for the $15 one-time enrollment and your insurance premium – both will show Pivot Health as the draftee.
When can I start using my benefits?
Immediately. Fulfillment is online, and coverage begins the same-day an application is submitted.
Where do I get my medical ID card?
There are no physical ID cards. (There is no need to show a card as proof of membership since fulfillment and benefits are accessible online. Call 844-630-7500 if you would like to file a claim.)
What are the waiting periods for preexisting conditions?
Hospital indemnity, which pays for accidents and illnesses, has a 12-month preexisting condition clause. Critical illness includes a first occurrence/diagnosis while covered under this program. (State variations may also apply.)
Who do I contact if I have questions?
Questions regarding supplemental insurance benefits:
Client Services Phone
Insurance Benefit Administrators,
P O Box 2943,
Shawnee Mission, KS 66201-1343
Questions regarding association membership benefits:
Member Services Phone
112 E. Lincoln Avenue, Fergus Falls, MN 5637