Short Term Health Insurance

This coverage is for between jobs (with no group coverage expected), while waiting for group or individual health insurance to begin (serving a waiting period) or other situations.  Also as alternative to COBRA.

Some carriers offer coverage for a specific number of days, others for one-month increments.  Coverage can be purchased in a specific block of time or month-to-month.  We can assist you in determining the best option for your needs.

Short Term is for individuals and their dependents who do not need coverage for pre-existing conditions.  Benefits are paid or illnesses and accidents incurred during the Short Term coverage period subject to approved contract benefits.

Major medical expenses such as hospital, physician services, prescription services and other approved services for an illness or accident are covered subject to approved contract benefits.

Routine doctor visits, wellcare and pregnancy are generally not covered.

You can choose your own doctors and hospitals.

Plans go into effect the day after you apply if you meet the requirements of the carrier and submit a premium payment.

Please be aware that policies have limitations and exclusions.

For more information or a no-obligation quote please complete our confidential form below.  The detailed information will assist us in providing the most accurate quote.  (Refresh the page after submitting to bring up another form for the next person if needed.)  This is confidential for use by our company alone.

Or click on the links on the next page for a quote or to apply directly with a carrier.