SHORT TERM MEDICAL INSURANCE 

     

 OVERVIEW       

    Short-term medical plans offer a lower-cost alternative to comprehensive health insurance and are intended for when you are waiting for other coverage to begin, such as a new job, or Medicare.  Coverage can be purchased anytime, even after Open Enrollment ends.

     The good?   These plans often are priced up to half the cost of a qualified health plan.   They can provide a decent SafetyNet should your health change and you need some medical care.   The IHC Plan will also cover limited expenses for 'pre-existing conditions'.

      The bad?  STM Plans usually do not cover pre-existing conditions, medications, and preventative services.  The 'fine print' should be carefully reviewed as it varies from plan to plan.  Oregon also limits you to a 3-month maximum contract with a company before you need to reapply with a different carrier.  Finally qualifying for coverage is also not guaranteed as you need to answer from 4-10 questions.

    So how would this work practically?

       As an example, you could apply for 3 months of coverage with National General.  At the end of this contract you could then apply for another  3-month contract with my other carrier---IHC Solutions after that for 3 months. 

        After this contract ends you could then reapply back with National General for another 3 months, and so on--assuming you can still answer No to the 6-10 qualifying questions.  Another potential problem is should you develop a new medical condition, the next contract/plan would consider this 'pre-existing' and not treat you for the condition.

     My 3rd company, LifeMap only asks 3 qualifying questions, so is best if you don't qualify for either National General or IHC Solutions.   

      For some people, Short Term Medical plans are the only affordable health plans, and if you missed the Open Enrollment Period, Short Term Medical may be your only insurance option for now.  

  Be sure to review the plan coverage, limitations, and understand contracted provider networks prior to enrolling.  Short Term medical plans do not cover pre-existing conditions or medications. 

HOW TO BUY PRESCRIPTION DRUGS?     Since most STM plans do not cover I recommend people with medications shop the discounted, 'cash pay' price offered  using http://www.goodrx.com

I offer plans from 3 companies.  Each plan has a distinct advantage. 

1.  National General:  National General offers the relatively better coverage, $50 Urgent Care visits, and a good National provider Network, but does not cover pre-existing conditions.   

2.  IHC Solutions Plans:   The Connect Value plan offers the lowest premium and the option of adding on a built-in 'Metal Gap' accident rider.  The Connect Plus plan costs more, but covers better and includes limited coverage for pre-existing conditions.  Your IHC quote will include both plans.

3. LifeMap Plans:   This third company's main advantage is that there are only a few qualifying questions.   

 

 Plan #1  National General Insurance Company  

      I most frequently recommend the National General plans.  You can buy with a monthly plan option (3-month max) or do the 'Single Pay' option and pay less.

  •  Solid Benefit:  $1,000,000 maximum benefit per contract when you select the 80/20% coinsurance.  I recommend the $1000, $2500, or $5000 deductible.  You can select from a 1 to 3-month contract.  The Single-pay option is less expensive than the Monthly option.
     
  • $50 Urgent Care Copay:  Visits to an Urgent Care cost a $50 copay.  If you do need to see a doctor, National General pays $50 towards 1 doctor visit per contract.
     
  • Large, National Network.    Using a provider in the contracted network will always cost you less than a non contracted provider.  National General uses the Aetna, Open Choice PPO Network, which you can search at the link below:

    http://www.aetna.com/dse/search?site_id=mymeritain

 

       Browse the company brochure by clicking on the link below.
  I highlighted in yellow some notable features and limitations.

 National_General_STM_Brochure.pdf

 

Get A Quote and Enroll:  (Coverage can begin as early as tomorrow)

http://quote.nationalgeneral.com/eproIFP
/webPages/infoEntry/InfoEntryZip.asp?ins
uranceTypeID=T&license_no=FQ7F2N


 

Plan #2  IHC Solutions

(Insured by Independence American Insurance Company)

  
    The Connect Value plans offer a lower premium but have dollar limitations on various services which can be significant if you have a major health issue like a surgery or hospitalization.  You can add on various riders like the 'metal gap' accident/critical care rider.

    The Connect Plus plan costs more, but has less policy restrictions, and covers up to $25,000 for treatment related to a pre-existing condition.   When you get a quote you can choose the deductible ($1000,  $2500, $5000), and the coinsurance that pays after the deductible is met (50/50%,  70/30%, 80/20%).  

IHC  Brochures   

Click on the link below to view the plan details.  Be sure to review the plan limitations and exclusions so that you know what you are buying.  Coverage can be purchased with a 1-3 month contract.  You can then reapply for coverage for another 3 months.

IHC_Connect_Value_STM_brochure.pdf

IHC_Connect_Plus_Brochure.pdf

 

Get A Quote and Enroll:  (Coverage can begin as early as tomorrow)

   Click on the link below to quote both the Value and Plus plans together.  Coverage can begin as early as the next day.  You can choose a 1-3 month contract.  After this you need a 60 day gap (or enroll in a different plan for 3 months) before you can reapply.

 2TDI0V3c3dHg3VFBrNStYVVM
zaWptTWxHQStWMFVzNFJ4d
3ZUM2ppQ3o5UVIrRkpWdnd2NA2

 

Additional Resources For National General

 
Contracted Provider Lookup 

 National General uses the Aetna, Open Choice PPO Network, which you can search at the link below:  You always pay less when you use a contracted provider

http://www.aetna.com/dse/search?site_id=mymeritain 

National General Member Services:  888-781-0585

Email memberservices@nhicadmin.com  

Pre-authorizations for surgery and hospitalization:  866-596-5817
Locate a PPO Provider by phone:   866-596-5817

File a claim:  https://ngah-ngic.com/claims.php 888-781-0585

HOW TO CANCEL YOUR POLICY:   
     Include your name, date, first and last name and member id number and:
Email:  memberservices@nhicadmin.com  fax 888-344-3232  or phone 888-781-0585
 
 
 
 
Additional Resources for IHC Solutions

IHC Contracted Provider Lookup 
   
    IHC contracts with the Multiplan/PHCS national provider network:   If you see a provider in this network you only pay a contracted rate. Search using the link below:

https://multiplan.com/search/search-2.cfm?originator=84477

 

Helpful IHC SOLUTIONS Information:

How to Cancel your coverage:  Fax 815-633-0277 with your case number and name and date you want the plan to cancel or call policy services.

IHC Billing:    800-397-5800

IHC Claims:   866-513-1479

New policy services:   800-397-5800 or email at newpolicyservices@ihcgroup.com

 
 
Plan #3  LifeMap:  Only 2 qualifying questions
 
   I do offer a third Short Term Medical plan you can explore from a company called LifeMap.  I would only use this plan if you get denied with National General or IHC due to one of the qualifying questions.    
 
Click on the link below to get a quote and enroll.  Be sure you read the plan coverage and limitations prior to enrolling:
 

https://enroll.lifemapco.com/alm_createlife
quote.html?product=STM&broker=0105983-0000

 

Other Resources to help you:

 

$49.00 Video Doctor Visits through Providence Express Care Virtual

    Sometimes you want to consult with a nurse due to an illness.   The Providence Express Care Virtual visits are available to anyone.  You can do a video visit with a doctor or nurse for a flat $49.00 per visit.   I've tried it out and it is extremely convenient.  You can download the Express Care Virtual app for your phone, or from a laptop start at the link below:

https://virtual.providence.org/

 

 GENERIC PRESCRIPTION DRUG DISCOUNTS

 

    Since most of the plans do not include prescription drug coverage, you can get steep discounts using the website or app   http://www.goodrx.com 

 

One more federal disclaimer so I'm very clear about these plans...

 

    "THE SHORT-TERM, LIMITED DURATION INSURANCE BENEFITS UNDER THIS COVERAGE DO NOT MEET ALL FEDERAL REQUIREMENTS TO QUALIFY AS “MINIMUM ESSENTIAL COVERAGE” FOR HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT. THIS PLAN OF COVERAGE DOES NOT INCLUDE ALL ESSENTIAL HEALTH BENEFITS AS REQUIRED BY THE AFFORDABLE CARE ACT. PREEXISTING CONDITIONS ARE NOT COVERED UNDER THIS PLAN OF COVERAGE. BE SURE TO CHECK YOUR POLICY CAREFULLY TO MAKE SURE YOU UNDERSTAND WHAT THE POLICY DOES AND DOES NOT COVER. IF THIS COVERAGE EXPIRES OR YOU LOSE ELIGIBILITY FOR THIS COVERAGE, YOU MIGHT HAVE TO WAIT UNTIL THE NEXT OPEN ENROLLMENT PERIOD TO GET OTHER HEALTH INSURANCE COVERAGE. YOU MAY BE ABLE TO GET LONGER TERM INSURANCE THAT QUALIFIES AS “MINIMUM ESSENTIAL COVERAGE” FOR HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT NOW AND HELP TO PAY FOR IT AT WWW.HEALTHCARE.GOV.”

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

National General STM Brochure

Click filename below to access file

National_General_STM_Brochure.pdf

Connect Value Brochure

Click filename below to access file

IHC_Connect_Value_STM_brochure.pdf

Connect Plus Brochure

Click filename below to access file

IHC_Connect_Plus_Brochure.pdf