SHORT TERM MEDICAL INSURANCE 

     

 OVERVIEW   

     Short-term medical is a lower-cost alternative to comprehensive health insurance for those who need a short-term policy (30-90 days) or for those seeking a lower cost health insurance option for a year. 

     You can buy a single-payment policy for like 30 or 60 days, or a month to month plan, with coverage for up to a year.   Be sure to review the plan coverage and limitations prior to enrolling.   

I offer plans from 3 different companies:

1. National General Life:   Best coverage of the three.  Single-Pay (like 62 days) or Monthly option available--cancel when you want on the monthly option.

2. LifeMap: I this company as an alternative should you do not qualify for the National General plan.  Monthly option--cancel when you want.

3. IHC Solutions:  The SecureLite plan is the very least expensive plan if the price is the top issue for you.   Monthly option available--cancel when you want.

 

Plan 1:    National General:  Best Coverage

Get a Quote or Enroll:

To get a quote for the National General STM plans, review the brochure, and enroll by clicking on the link below.   Please read the plan brochure and disclosures prior to making application.
 

https://quotenatgen.ngic.com/agent/272272

 

1. SIGNIFICANT COVERAGE:

      Up to $1,000,000 maximum benefit per contract period.  $50 copay for Urgent Care visits, $50 towards 1 doctor visit per contract.   Choice of $1000, $2500, $5000 and higher deductible options.   Good rates!

2.  BROAD NATIONAL PROVIDER NETWORK: 

   National General uses a national network of over 650,000 providers nationwide.  You can use any provider, but you get a contracted discount when you use a network provider.  The Network is the Open Choice PPO Network when it asks you to select the Network.  

SEARCH FOR A CONTRACTED PROVIDER BY CLICKING THE LINK:

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

3.  LOW MONTHLY PREMIUMS:   

    Premiums for Short Term Medical plans can be 60% of the cost of an ACA plan through the Marketplace.  For example, a 30-year-old could buy a 31-day policy with a $1000 deductible for $92.07 per month.  

4. 10 QUALIFYING QUESTIONS:  Please check before you apply to see if you qualify

   There are 10 questions you need to answer "no" to in order to enroll:  Click on the PDF below to view the qualifying questions and read the policy disclosures.  

National_General_Application_questions_and_disclosures.pdf

5.   LIMITATIONS:   

     Short Term medical insurance for 2018 will not help you avoid the tax penalty for not having an ACA plan.  The plan also does not cover any pre-existing conditions or medications.   These restrictions keep the plan lower in cost.

National General Plan Brochure

    To view the company brochure click on the link below:

National_General_STM_plan_&_disclosures.pdf

 

BEFORE YOU ENROLL:   

   Note that in the application they tack on $15 per month for the Life Association Membership.  You can remove this at the time of application.  

 

HELPFUL LINKS WHEN YOU NEED THEM

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

Cancel your coverage:   

Include your name, date, first and last name and member id number.
Email:  memberservices@nhicadmin.com  fax 888-344-3232 phone 888-781-0585
 

Consider pairing this plan with an Accident & Critical Care plan

    I like the Plan B Metal Gap plan underwritten by Madison National Life.  The plan costs a reasonable $30.69 per month for an individual and $54.87 per month for 2 or more people.   It provides up to $6350 for an Accident and $7500 for various Critical Care situations.  To read the brochure, quote and enroll please use the link below:

https://www.ihcmarketplace.com/Agent
/2500677?productType=MG&bundleGID=8

 

 
Plan 2   LifeMap:  Only 2 qualifying questions
 
   I do offer a second 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 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

 

Plan 3:  IHC Solutions STM plans
Lowest priced option

     The IHC  'SecureLite' plan" plan offers the lowest cost Short Term Medical plan.  Note there are dollar limitations for services, so be sure you read the plan benefits and limitations prior to enrolling.  


    For example, a 30-year-old could buy a 31-day policy with a $1000 deductible   $62.57 per month.  You can take out the plan for up to 3 months, and cancel anytime with advanced notice. 

Click on the link below to get a quote and enroll:

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SEARCH FOR A CONTRACTED PROVIDER BY CLICKING THE LINK BELOW:  

     IHC contracts with the Multiplan network:   If you see a provider in this network you only pay a contracted rate.

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

 

HELPFUL LINKS IF YOU NEED THEM FOR IHC SOLUTIONS:

Cancel your coverage:  Fax 815-633-0277 with your case number and name and date you want the plan to cancel

IHC Billing:    800-397-5800

IHC Claims:   866-513-1479

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

 

Other Resources to help you if you have a STM plan

 

$39.00 Video Doctor Visits through Providence Express Care Virtual

    Providence Express Care Virtual is available to anyone.  You can do a video visit with a doctor or nurse for a flat $39.00 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 the Short Term Medical plan does not include prescription drug coverage, you may need to educate yourself on finding affordable drugs if you need them.  I created a web page at the link below to help you.

http://www.agapeinsurance.net
/RX_savings_oregon.html

 

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

 

     These products are not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don't have Minimum Essential Coverage, you may owe an additional payment with your taxes. The termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. These products may include a pre-existing condition exclusion provision.

National General STM Brochure

Click filename below to access file

National_General_Short_Term_Medical.pdf

Underwriting Questions and Disclosures

Click filename below to access file

National_General_Application_questions_and_disclosures.pdf

Qualifying questions

Click filename below to access file

National_General_Application_questions_and_disclosures1.pdf

Short Term Medical Brochure

Click filename below to access file

National_General_STM_2018.pdf

National General Brochure & Disclosures

Click filename below to access file

National_General_STM_plan_&_disclosures.pdf