SHORT TERM MEDICAL INSURANCE 

      Short Term medical plan is a type of limited-benefit health insurance.  The policy is not subject to the Affordable Care Act/Obamacare regulations.  Pre-existing conditions, preventative services, and prescription drugs are generally not covered.  The coverage is also not guaranteed-issue:  This means you need to answer no to 6-7 questions in order to qualify.  Finally, the policy is not renewable.  In Oregon Short-Term Medical (STM) insurance contracts are limited to a 90 days maximum per contract.  You cannot re-apply for another contract with the same company without a 60 day gap.    

DO YOU FEEL PRICED OUT OF TRADITIONAL COVERAGE?

    I offer 2 different STM plans, which cost about half, to a third, of what the Marketplace plans cost for 2026 for a person who earns too much for a tax credit.  Why?  Because STM plans only insure you for a 3 month contract and will not cover treatment for a pre-existing condition.  

 Please take the time to read the brochure plan limitations and exclusions prior to enrolling in coverage to understand the plan exclusions and limitations.  It is important to make an informed decision.   

Plan #1:  PIVOT HEALTH 

     Pivot Health Plan is underwritten by Companion Life Insurance Company.  Pivot Health has no contracted provider network.  This means that you can see any licensed medical provider that agrees to bill the plan.  If the provider is unwilling to bill Pivot Health, ask for a cash price, pay the bill, and submit the claim to Pivot Health directly with a claim form (which I can provide).   

   The brochure outlines side-by-side the different plans and benefit options. I recommend the Deluxe plan, which offers a lower out-of-pocket maximum.  If the price is too high for you I recommend next the lower-cost Choice plan, which has a higher out of pocket maximum. 

Pivot Health Brochure

Click the link below to review the Pivot Health coverage.  Pay special attention to the plans limitations and exclusions:

Pivot_Health_Brochure.pdf

Quote & Enroll in Pivot Health

Click the link below to quote and enroll in the Pivot Health plan.   

CLICK TO QUOTE-ENROLL in Pivot Health    

   Pivot health offers many plan options tailored to your pricing needs.  I recommend the Deluxe plan as it has a $3000 out of pocket maximum (after your deductible is met).  The Deluxe plan offers 3 combined visits to Urgent Care, Primary Care, or a Specialist visit before your deductible.  24/7 TeleDoc service is also included at no cost.   

Application Notes for Pivot Health:   

   Coverage is month to month for up to 3 months.     If you need to cancel early you can contact Customer Service.

Plan #2:  ALLSTATE HEALTH SOLUTIONS

   The Allstate Health Solutions plan is underwritten by Allstate Corporation.   The plan offers a range of deductible and coinsurance options.  The only service covered before the deductible is a visit to an Urgent Care with a $50 copay.   Although you have freedom to use any provider, you will pay less if you select a provide in the Aetna Open Choice PPO Network (Provider link below).

   Prior to making application please review the plan brochure, especially the plan limitations and exclusion section so you understand what you are purchasing.   

Allstate Health STM plan brochure

Click on the link below to view the Brochure:

Allstate STM Brochure

  You can read about the coverage and browse the plan limitations at the link below.  When you get to the final page of the application, you can save 20% if you single-pay for the 3 months of coverage. 

Quote & enroll in Allstate Health

Click the link below to get a quote and enroll:

CLICK HERE TO Quote & Enroll in Allstate STM Plan

  Allstate National clients that see an in-network provider will pay less when they see a contracted provider. Tell your provider that you have an insurance plan that uses the Aetna Open Choice PPO network. You can search providers using the link below:

Search Aetna Open Choice PPO Network 

  You can tell your provider that you have a health plan that includes the Aetna Open Choice PPO Network.   There are over 1 million providers in this network nationwide. You can choose a single pay option and save 20%. I recommend adding the $10,000 Plan Enhancer stand-alone Accident policy.  

 SAVE MONEY ON LAB WORK PRIOR TO YOUR WELLNESS EXAM:

      If you live in the Portland area and want to save on the high cost of Lab work, you can self-order and purchase your own lab work at Quest Diagnostics, then bring the results to the provider of your choice.   There are multiple offices around the Portland area and you can order tests without your doctor initiating to tests (like preventative screenings).

Order Lab​ work online from Questhealth.com   

UNDERSTAND THE OUT OF POCKET MAXIMUM:   

     It's important to note with Short Term that the plan deductible does NOT go towards meeting the plans out of pocket maximum:  This is an important distinction compared with most traditional health insurance plans.  

    Since STM plans do not cover prescription drugs, I recommend going to  http://goodrx.com and looking up your drugs for a discounted rate.  You will find the best cash pricing at local pharmacies.   It's a great tool that will also show you discount programs for expensive drugs.  There is nothing you have to join or pay for to use GoodRX.  

What happened to the Flex Term plan?

       Maybe last time you checked I had the 'Flex Term' plan as my 2nd plan choice.   This is a company I now have no confidence in.  I cannot contact the company... Anyone!   I cannot in good conscience trust my health insurance to this company.  Now, my 2nd plan is the more expensive Allstate National Plan, which is more trustworthy and has a recognized name.

        Short Term Medical Disclosure