Phil just landed a new job at an architectural firm. The problem is that his new insurance doesn't kick in for 90 days. He has a young child and wants to make sure that he doesn’t have to go without coverage even for a day.

Take a look at the costs:

• Phil can save 20% by making a single payment of $425.34 for the 90 days of coverage (which comes out to $141.78 per month) so that he and his child can have continuous short term coverage until his new benefits become active.

Rate is for illustration only and is based on a 6/15/2012 effective date for Milwaukee, WI 53212, male age 30 with one child for the Short Term Medical plan with a $2,500 deductible, $2 million lifetime maximum and an 80/20 coinsurance %. Rate is also based on a single payment for a 90-day contract. Rate does not include a one-time $25 application fee.

For more information on specific plan benefits, limitations and exclusions for your situation, get a quote.

Example is provided for illustrative and educational purposes only. Your own situation and health cost may vary depending on many factors, including your health history and demographics.