Short-Term Health Insurance A Budget-Friendly Option to Reduce Your Monthly Costs
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- Find temporary coverage
- Get doctor and drug benefit options
- Insurance company rated A+ by A.M. Best*
It can fit your budget and meet your needs.
Serving thousands of consumers — and growing every day!
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/Certificate 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/Certificate 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.
Our medical plans are underwritten by Companion Life Insurance Company
*Companion Life Insurance Company is rated A+ (Excellent) by A,M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).
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Top FAQ’s about Pivot Health
Healthcare is expensive. Health insurance doesn’t need to be. We help you build a health plan that works for your busy life at a price you can afford.
Pivot Health is not just a digital company, but a team comprised of insurance-industry pros and healthcare technology experts who believe you should be in control of your health insurance shopping experience. We strive to educate you about healthcare with in-depth information and remove pain-points that might keep you from feeling confident about your insurance purchase. At Pivot Health, we believe in transparency and invite you to ask questions online, send us an instant message, give us a call or email us for more details. No matter how you communicate, we are right there with you, assisting your decision-making process to ensure you get a health insurance plan that makes sense for your lifestyle and budget.
Plans offer coverage for a variety of medical services like doctor office visits, emergency room care, hospital stays, surgery and more after a deductible is met. Some plans offer doctor office copays for primary care and Urgent Care. Each plan also includes coinsurance, which is the portion an insured is required to pay after the deductible is met. It is important to review the Plan Details and understand full services provided, coinsurance out-of-pocket maximums, exclusions and limitations.
Short-term health plans are temporary coverage that can offer financial protection for medical services such as doctor office visits, emergency room visits, hospital stays and more. Short term medical plans can be a flexible option for individuals in an employer waiting period, between jobs, individuals who missed the open enrollment period or those who want lower-cost coverage while they decide what to do about enrolling in an Obamacare (ACA) plan.
Short-term health insurance is a budget friendly option to reduce your monthly costs. You have a choice of seeing any doctor you want with our open access network or enroll in a PPO network plan. Plus, there are extra benefits associated with the plan that help keep your medical costs under control. In addition to insurance coverage, every member has access to low-cost, non-insurance telemedicine video visits with a licensed physician based in the U.S., and discount vision and eye benefits.
It is important to know short term medical health plans are not required to meet the essential standards of the Affordable Care Act, and in some states, the length of a policy might be limited according to state-specific rules. Pre-existing conditions are also not initially covered by short term health insurance, and companies are allowed to ask medical questions in order to qualify an individual for coverage.
In most states, pre-existing conditions diagnosed within the past 5 years are generally not covered under this plan. However, qualifying conditions you develop throughout the year while insured by a short-term plan could be covered. Certain exclusions apply.
Pivot Health is recognized as a national health care advocate helping change the conversation about health insurance.
We're here to help you fill your individual health insurance needs.