All six plans pretty much work the same. You can see ANY licensed doctor because there are NO networks with any of the plans we offer.
Short Term Insurance / Temporary Health Insurance
Whether you are
Between jobs or out of work (about COBRA)
Finished with school
Waiting for other coverage
A student no longer covered under your parents plan
these temporary health insurance plans are essential to keep from being uninsured for even 1 day. These plans can cover you for as short as 1 month up to a maximum of 6 months (12 months with TransAmerica and Fortis). If you need coverage for longer than that please read the policy about applying for a new plan.
To get quotes and/or apply just click on the brochure or the "Quote/Purchase" button under each product (not all states are available and the states that are available are different from company to company, so be sure to check each one. Some are linked though so if it's not available in your state it may link to a product that is). Remember nobody can sell the same temporary health insurance plans for less so you can compare the prices of these six quality, highly competitive companies with little effort. When youve decided, make a secure purchase online (frame is secure). Also, each company allows you to print the application and submit with a check if you prefer. Coverage can start as early as tomorrow or any future date. Our phone number is listed above if you have questions.
-- Each plan can be quoted and/or purchased online right now.
-- Frames ARE secure (purchase is direct with insurance co.).
-- Companies are in order of popularity.
-- Quote as many as you feel necessary.
-- Phone orders accepted M-F 9-5 Eastern Time - 1-877-634-1256.
You pay your chosen deductible and then the plan kicks in and pays 80% (80/20) of your covered expenses of usually the next $5000 (Fortis & Clarendon have a lower cost 50% (50/50) option and Fortis has a higher cost 100% (100/0) option in addition to 80/20 that they all have). After that the plan pays 100% of the covered expenses to a specified maximum of usually $1,000,000 to $2,000,000.
These plans don't cover preventative care. If you answer "yes" to any of the health questions your application will be declined. If you answer "no," then the plan will usually be issued within 24 hours under the provisions of the policy. If you're ill or injured prior to having the coverage, these plans will not cover that illness -- you need the coverage in place before the need arises. It's common sense, but you'd be surprised.
We can usually start your coverage as early as the next day if you apply now. Or, you can select another future date making planning ahead easy to do.
You will find that this temporary health insurance coverage is very inexpensive, but be sure you have a game plan to get new coverage after this expires. We can try to help you with that if you contact us before current coverage expires. There are slight differences that you should be aware of. For example, the TransAmerica plan doesn't cover out-patient prescriptions, but some of the others do. Just be sure to check the exclusions of each one and most of them do give you some type of 10 day free-look period.
Never ever cancel coverage before you have new coverage in place.