Classic Plans
Perhaps you are recently unemployed or missed the Individual marketplace open enrollment period. Maybe you have aged off of your parent’s insurance plan or you are waiting for employer benefits to kick in. You could have a job that just doesn’t offer group health insurance coverage. There are plenty of reasons you might be among the millions of Americans in need of short-term insurance.
Features and Benefits:
- Up to $1 million in total coverage per period.
- A variety of coinsurance and deductible options.
- Doctor visit copays on select plans.
Underwritten by Companion Life Insurance Company
Short-Term Medical Insurance – Iowa
Core Short-Term Insurance Plans
Pivot Health Core plans are for healthy individuals who don’t want to spend a lot of money buying comprehensive coverage but want protection – just in case. These affordable plans help cover every day medical expenses like doctor office visits and optionally, prescription drug costs, but have limited coverage for major services like hospital stays and surgeries that might not be needed during the coverage period.
Features and Benefits:
- Lower deductibles and coinsurance maximum for reduced out-of-pocket exposure.
- Multiple coverage durations including 90-day, 180-day, 364-day, 4×90-day, 2×180-day, and 3×364-day policies in select states.
- One of the largest PPO networks in the nation.
Underwritten by Companion Life Insurance Company
Core Short-Term Medical Insurance
Core Short-Term Medical Insurance – Illinois
Quantum Short-Term Insurance Plans
Quantum short-term medical insurance plans provide a temporary health insurance solution to cover everyday medical services and help reduce your financial risk. These plans provide access to a national PPO network.
Features and Benefits:
- Access to the Cigna PPO network.
- Up to $1,000,000 in benefits per coverage period.
- Deductible options from $2,500 to $10,000.
Underwritten by Companion Life Insurance Company
Quantum PPO Short-Term Medical Insurance
Epic Short-Term Insurance Plans
Short-term health insurance plans provide medical coverage for a limited period of time to help pay for health care expenses. This flexible health insurance solution is designed to help address gaps in health insurance coverage created by temporary situations. If you’re in a time of transition or looking for next day coverage, consider a short-term medical plan. In many states, you have a choice of short-term plans offering access to the Cigna PPO network or plans which have access to all providers.
Features and Benefits:
- Preventive wellness coverage for the whole family including prostate and colon cancer screening, mammograms and OB-GYN annual exams.
- Child immunizations paid at 100%.
- Preventive health exams (after 3 months of coverage).
Underwritten by North River Insurance Company
Epic Short-Term Medical Insurance
Epic Short-Term Medical Insurance – Iowa
Epic Short-Term Medical Insurance (Base)
Epic Short-Term Medical Insurance (Base) – Pennsylvania
Short-Term Medical Resources
Pre-Existing Conditions and State Mandates:
- Definition of Pre-Existing Condition by State
- Definition of Pre-Existing Condition by State (Quantum)
- Definition of Pre-Existing Condition by State (Epic)
- Short-Term Plan State Mandate Summary
- Short-Term Plan State Mandate Summary (CLIC 1200)
- Short-Term Plan State Mandate Summary (Quantum)
- Short-Term Plan State Mandate Summary (Epic)
Networks and Reference-Based Pricing:
- First Health Network PPO (Core)
- Cigna Network PPO (Quantum, Epic)
- All Provider Access (Reference-Based Pricing Explained)
Discount Drug and Prescription Formulary:
- Cerpass RX Drug List – 2023
- Cerpass RX Formulary Guide – 2023
- Cigna Rx Formulary Guide – 2022
- Cigna Rx Formulary Guide – 2023
- Cigna Rx Claim Form
This material is intended for agent training and education and is not to be disseminated to a member or the prospective applicant