Are you in between jobs or a senior looking for coverage until you reach Medicare age? If so, a short-term medical plan may be what you need to keep you protected.

Short-term medical is a health insurance plan that offers coverage for up to 364 days, and can be renewed as long as the total duration doesn’t exceed 36 months. It is a flexible health insurance coverage solution when you need coverage for a period of transition in your life. Short-term health plans offer financial protection for medical services such as doctor office visits, emergency room visits, hospital stays and more.

Is short-term health insurance for me?

Short-term health insurance may be for you if you are:

• In between jobs
• Just starting a new job and waiting for coverage
• A college student or recent graduate with no health coverage
• A senior looking for coverage until Medicare eligibility
• Unable to qualify for or afford individual coverage or Cobra
• Waiting for Exchange Open Enrollment

Pivot Health Offers Great Short-Term Medical Plans

Pivot Health Short Term Medical (STM) is designed to provide great short-term coverage with benefit options equivalent to long term coverage. Pivot Health STM includes:

• Office visit copay plans
• Prescription drug plans
• Lifetime maximum options for $100,000 to $1 million
• Option to purchase four back-to-back 90-day coverage plans or a 364-day plan
• Coverage until Medicare eligibility begins
• ID cards and Certificates of Insurance issued immediately online

Pivot Health Core Short Term Medical (Core STM) helps cover everyday medical expenses like doctor office visits and outpatient care and, optionally, prescription drug costs. Pivot Health Core STM includes:

• Low deductibles
• Doctor visit copays
• Optional Prescription coverage
• Access to telemedicine 24/7
• Fixed indemnity payments for surgeries and hospitalization
• Option to purchase four back-to-back 90-day coverage plans or a 364-day plan
• Access to First HealthⓇ, a large PPO network
• Discounts and lifestyle benefits

Pivot Quantum PPO Plans are short-term medical, limited duration insurance plans that utilize the Cigna PPO Network in most states. Pivot Quantum PPO Plans include:

• Access to the Cigna PPO Network
• Up to $1 million in benefits per coverage period
• Deductible option from $2,500 to $10,000
• Preventive health exam
• In-network low Rx copays
• Organ transplants

Pivot Health provides flexible coverage options that fit your budget and meet your needs. Apply and enroll in under five minutes.

At McLain, Pierce & Associates we will ensure you get the best medical insurance coverage for your needs. Give us a call and we can discuss which plan may be right for you.