Compare Health Insurance Plans

See how our Major Medical Insurance plans and
Short Term Medical Insurance plans differ


Finding the right health insurance plan means understanding your options. Compare our Major Medical Insurance plans and our Short Term Medical Insurance plans to learn which is the best fit for your situation.

   

Short Term Medical Insurance1


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Major Medical Insurance


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Deductible:

Individual plan deductibles range from $1,000 to $5,000.

Get a quote to see what individual and family plan deductibles are available in your state.

Individual annual plan deductibles range from $0 to $6,000.

Get a quote to see what individual and family plan deductibles are available in your state.

Plan Choices:

A variety of plan options that let you choose how much you want to spend in premium and how much you want to plan to cover.

Save 20% when you make a one-time, up-front payment. You also have the option to pay month to month.

A variety of plan options that let you choose how much you want to spend in premium and how much you want to plan to cover.

Plan Availability:

Plans are available throughout the year as open enrollment does not apply to these plans.

Plans available during open enrollment (plans available year round in Nevada2). Learn more

For those with a qualifying life event, plans are available through a special enrollment period. Learn more

Minimum Essential Coverage:

Not Minimum Essential Coverage.
Learn more

Minimum Essential Coverage.
Learn more

Length of Coverage and Renewability:

Coverage is available for as little as 30 days up to 360 days in some states. Length of coverage available varies by state.

These plans are not renewable. However, if your temporary need continues beyond your coverage period, you may apply for a new plan, as long as there have been no significant changes in your health.

These plans renew annually.
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Preventive Care:

These plans do not pay for preventive services.

These plans pay 100% of preventive services under the Affordable Care Act when you use in-network doctors.3

Network Providers:

Short Term Medical plans are not part of a network, however, one of the perks of these plans is that if you visit a doctor in the Private Healthcare Systems (PHCS) Network, you will receive a 20-35% discount, on average.

Policyholders are able to keep their preferred doctors and hospitals, and they will not be penalized, regardless of which doctor or office they do decide to visit.

Please note, Private Healthcare Systems (PHCS) Network is not available in Rhode Island.

Each plan includes network providers specific to your area. Look for doctors or hospitals in your area.

Hospitalization and Surgical Benefits:

Coverage for inpatient and outpatient hospital and surgical services. Subject to deductible and coinsurance.

Coverage for inpatient and outpatient hospital and surgical services. Subject to deductible and coinsurance.

Lifetime Maximum:

$2 million lifetime benefit limit.

No lifetime dollar limits.

Pre-Existing Condition Limitation4:

Treatment for pre-existing conditions is excluded.

If you need coverage for pre-existing conditions, you should consider COBRA or a Major Medical insurance plan that is Minimum Essential Coverage.

There are no pre-existing condition limitations. These plans are guarantee issue, which means that comprehensive coverage is offered to everyone, regardless of health status.

Health Savings Account:

Short Term Medical plans are not HSA-compatible.

Select Major Medical plans are HSA-compatible. Look for the HSA icon when you get a quote.

Monthly Premium/ Starting Price:

Individual coverage starting at:

$5679per mo

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Individual coverage starting at:

$18357per mo

Get a Quote



Important Information Regarding Plans Offered:

We want you to understand these plans and the coverage they provide. To help you do that, it's important that you know what is covered by the plans shown here.

General summary of limitations and exclusions for the following plans (summary applies to most states where plans are offered):
>>Major Medical Insurance
>>Short Term Medical Insurance

For Arizona residents, state-specific limitations and exclusions pertain to the following plans:
>>Major Medical Insurance
>>Short Term Medical Insurance

As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state. To learn more about these plans, get a quote or talk to your agent.



1Short Term Medical plans do not cover preventive services or pre-existing conditions. If you need coverage for pre-existing conditions, you should consider COBRA or a major medical insurance plan that is Minimum Essential Coverage.
2For Nevada residents: Major Medical plans can be purchased year round without a qualifying life event. If you apply without a qualifying life event, your coverage will begin on the first day of the month after 90 days from the date you applied.
3 Preventive services recommended under the Affordable Care Act are paid at 100% when using in-network doctors; additional preventive services paid subject to deductible and coinsurance. Varies by state.
4Varies by state.

AH1105-09262014

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Health Care Reform

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Fixed-Benefit Insurance

Plans that help pay for everyday health care needs with fixed benefits.

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Major Medical Insurance

Coverage for everyday medical expenses and “what ifs” like cancer, heart attack, accident or injury.

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Temporary Insurance

Choose from 30 to 360 days of short term insurance. Length of coverage available varies by state.

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More Plan Options


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