Short Term Health Plans

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Short-term coverage that’s long on benefits  Change is a part of life. And sometimes it can affect your health insurance. Like when you’re starting a new job and your health coverage hasn’t kicked in yet. For times like these, one of our Individual Short-term PPO plans can fill the gap. These convenient plans let you:  

  • Protect your health and finances with traditional health coverage on a short-term basis
  • Get coverage for as little as 30 days to a maximum of 180 days.
  • Choose from a wide range of annual deductibles from $250 to $2,000.
  • Begin coverage on any day of the month.

It is important to note that because this policy offers coverage for a limited period of time, past or present health conditions are not covered.    

If you have any questions:  

Click here for our Short Term PPO brochure

Get a Quote and Apply Now (When getting a quote choose option that is 6 months or less)  

Benefits-at-a-glance for Short-term PPO plans

       
Plan Benefits  Short-Term PPO Plan 
These amounts show your share of costs after deductibles, if any. 
  In-Network   Out-of-Network  
Lifetime Maximum
(the amount the plan pays up to, per member) 		 $3,000,000 
Deductible
(Waived for emergency treatment of accidental injuries) 		 $250, $500, $1,000, $2,000 per member, depending on plan chosen 
Out-of-Pocket Maximum   $1,000 per member, participating and non-participating combined (plus deductible) 
Professional Services
Including X-ray, lab and office visits 		 20% of negotiated fee  20% of negotiated fee plus any excess charges 
Hospital Inpatient/Outpatient   Preferred Participating Providers
and Participating Providers:
20% of negotiated fee 		 You pay all charges except $650 per day inpatient;
$380 per day outpatient 
Ambulatory Surgical Centers   20% of negotiated fee  You pay all charges except $380 per day 
Emergency Services
(Deductible waived for emergency treatment of accidental injuries) $50 copay for each visit; waived for accidents or if admitted 		 20% of negotiated fee  Physician: 20% of customary and reasonable charges plus any excess charges   Hospital: 20% of customary and reasonable charges for the
first 48 hours plus any excess charges 
Ambulance
Up to $1,000 maximum 		 20% of negotiated fee  20% of negotiated fee plus any excess charges 
Prescription Drugs1
30-day supply; retail only;   No mail-order benefits 		 $10 generic; $30 brand-name; brand-name drug maximum of $500 per member  In California: you pay all charges except 50% of drug limited fee schedule;   Outside California: you pay drug limited fee schedule amount less copay as stated for participating pharmacies 
Maternity Care  No benefits  No benefits 
Physical Therapy, Occupational Therapy, Chiropractic Care
$1,000 per member maximum 		 20% of negotiated fee  20% of negotiated fee 

1. If you request brand-name drugs, you pay the difference in cost between brand-name and generic, in addition to the brand-name copay. Generic drugs are based upon our Generic Rx Formulary.