Short-term coverage for life's in-between moments
Coverage for the in-betweenWhether you are between jobs, waiting for employer coverage to begin, or navigating another transition, we help you compare short-term medical, supplemental, dental and vision options that fit your needs.
Short-Term Medical, Supplemental, Dental & Vision Options
We help clients compare temporary health coverage for transitions such as a job change, a waiting period before employer benefits begin, or other short-term needs. Available plans may offer coverage periods from one month to one year in select states, PPO access, deductible and coinsurance choices, and plan-specific benefits. Options vary by state and eligibility, so we review the details with you before you choose.
Important Coverage Notes
Short-term medical is not ACA major medical. It may have exclusions, limitations, waiting periods, or benefit caps, and it may not cover all conditions or services.
Short-Term Medical
Plan designs may include coverage up to $1 million per coverage period, deductible and coinsurance choices, select doctor-visit copays, and durations from one month to one year in select states. PPO access and benefits vary by plan and state.
Supplemental
Cash benefits can help with out-of-pocket costs. Options may include first-dollar accident medical benefits up to $30,000 with no deductible, lump-sum benefits for sickness, hospital stays, urgent care and surgeries, a $25,000 accidental-death benefit, and disability income of $500–$1,500 weekly for up to 13 weeks. Guaranteed-issue and virtual-care features may be available; state availability applies.
Dental & Vision
Affordable options can support children, adults and families, with eligibility ages 18–100+ and child dependents, no waiting periods, and coverage that may start the day after enrollment. Vision benefits may include one exam per benefit period, in-network exams, frames and contacts subject to copays and maximums, plus professional services for severe vision problems. Availability and plan terms vary.