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short term medical plans

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You've got options

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.

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Policy Duration:

Our short term plans run as short as 30 days, or as long as 90. You choose the range that meets your need.

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Deductible:

Choose from $500, $1,000, $2,500, $5,000 or $7,500 per member.

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Coinsurance:

Once you meet your deductible, choose how much you pay — 20%, 30% or 50%.

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Pharmacy:

Choose whether you’d like to include outpatient prescription reimbursement 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 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.

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.

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Federal notice

IMPORTANT: This is a short-term, limited-duration policy, NOT comprehensive health coverage

This is a temporary limited policy that has fewer benefits and Federal protections than other types of health insurance options, like those on HealthCare.gov.

This policy Insurance on HealthCare.gov
Might not cover you due to preexisting health conditions like diabetes, cancer, stroke, arthritis, heart disease, mental health & substance use disorders Can’t deny you coverage due to preexisting health conditions
Might not cover things like prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, physical therapy & more Covers all essential health benefits
Might have no limit on what you pay out-of-pocket for care Protects you with limits on what you pay each year out-of-pocket for essential health benefits
You won’t qualify for Federal financial help to pay premiums & out-of-pocket costs Many people qualify for Federal financial help
Doesn’t have to meet Federal standards for comprehensive health coverage All plans must meet Federal standards

Looking for comprehensive health insurance?

  • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
  • To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

Questions about this policy?

For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”