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These plans have pre-existing limitation provisions that may prevent coverage from applying to medical conditions that existed prior to the plan effective date.
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.
We understand you might need short term medical coverage for a temporary period of time or for a longer extension over multiple months. That’s why Pivot Health offers an array of coverage durations that allow you to pick an option for your particular life situation.
Pivot Health offers you the opportunity to apply for one 90-day policy which gives you nearly 3-months of coverage. We also allow you to apply for four (4) back-to-back 90-day policies at one time. You do not have to qualify again for the three additional policies, there are no additional waiting periods, and you can cancel at any time. New ID card must be downloaded every 90-days to ensure coverage is current. Pre-payment option is available for a discounted rate on shorter 90-day-only plans. For the first policy, pre-existing conditions diagnosed within the 60-month period immediately preceding the covered person’s effective date are excluded for the first 12 months of coverage.
Need coverage for more than a few months? Get one policy for up to 180 days (approximately 6 months).
If you need health insurance coverage for nearly a year while you wait for additional coverage, 364-days of short term health insurance can take you the distance. Great for individuals seeking a longer-term solution.
*Policy duration varies by state availability.