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Coverage Duration

A new feature we offer is the opportunity to apply for a total of four 90-day certificates of insurance at one time, affording you coverage beyond the standard 90-day duration. Learn more.

Coverage Starts

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.