short term medical plans
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Our short term medical insurance plans offer flexible ranges of cost and coverage, so you can find the right fit for you. Tailor your plan by choosing your policy duration, deductible amount, coinsurance percentage, and optional pharmacy coverage, and we’ll take care of the rest.
Our short term plans run as short as 30 days, or as long as 185. You choose the range that meets your need.
Choose from $500, $1,000, $2,500, $5,000 or $7,500 per member.
Once you meet your deductible, choose how much you pay — 20%, 30% or 50%.
Choose whether you’d like to include outpatient prescription coverage in your plan.
Know before you go
Short term insurance can be a lifesaver, but there are a few things you should know:
- Short term medical plans don’t cover everything an ACA plan does
- Pre-existing conditions are NOT covered
- There is no provider network so you could be subject to balance billing
Short term plans are a great way to bridge gaps between more permanent coverage, and we encourage you to make sure the details of our plans fit your needs.
This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusion or limitations regarding coverage of pre-existing conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.
The benefit maximum payable by Moda Health is $1,000,000 per member per policy.
All plans also include accidental death benefits, which vary by state.