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Coverage Starts

Coverage Duration

You can apply for 90 days of coverage or up to 364 days, depending on your coverage needs. Follow prompts to see if lower rate options are available. State-specific regulations may apply.

Please select the number of days of coverage needed.

Choose between less administrative work or affordable pricing.

THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES. These plans have pre-existing limitation provisions that may prevent coverage from applying to medical conditions that existed prior to the plan effective date.

Applying For a Short Term Medical Plan: The Length of a Policy

The Length of Coverage

Depending on your needs and your state, your coverage could be for one month or up to nearly 12 months.

Current federal regulations limit short term medical plans to 90 days under one certificate of insurance. However, Pivot Health offers you the convenient opportunity to apply for up to three additional back-to-back certificates at one time, allowing you to have coverage for nearly 12 months. You do not have to qualify again for the three additional certificates, and you can cancel at any time.

How It Works

If you decide to enroll in back-to-back coverage terms, a new certificate of additional coverage will follow each 90-day coverage period. Each certificate will have an effective date that starts the day after your previous coverage expires.

Shortly before the expiration of coverage of your active coverage, you will be notified of a new coverage ID card in your online member portal which you can print and use for the following period.

The Advantage of Back-to-Back Policies

While your deductible and any out-of-pocket responsibilities start over with each subsequent coverage certificate, any medical conditions that arise and that were covered by your initial Pivot Health plan will be covered under your subsequent new certificates, subject to plan limitations. There are no medical questions to qualify or new waiting periods after your initial enrollment.

Applying For a Short Term Medical Plan: The Length of a Policy

How Long Can a Short Term Medical Plan Cover Me?*

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 the best option for your particular life situation.

90-Days or Four 90-Day of Coverage

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.

180-Days of Coverage

Need coverage for more than a few months? Get one policy for up to 180 days (approximately 6 months).

364-Days of Coverage

If you need health insurance coverage for nearly a year while you wait for more permanent coverage, 364-days of short term health insurance can take you the distance. Perfect for individuals seeking a longer-term solution, this duration period is hassle-free.
Easiest to manage

*Policy duration varies by state availability. Pivot plans follow state mandates of coverage for a maximum of 90 days, 180 days or 364 days.