individual & family coverage

find coverage that meets your needs, with flexible solutions for medical, accident, critical illness and dental plans.

Between jobs? Aging out of a family policy? Waiting for Open Enrollment?

A Short Term Medical plan might be right for you.

Short Term Medical plans let you decide how much coverage you want and for how long, with individual and family options available.

And you can enjoy quality of life benefits like telemedicine and discounts on a variety of everyday items and services through a LIFE Association membership (varies by state).

Our Short Term Medical plans offer plenty of flexibility:

  • Policies that range from 30-days to a year, some with renewal or consecutive options
  • Plan options that include benefits for office visits and urgent care, and some with prescription benefits
  • A wide range of deductibles, coinsurance, and benefits, so you can get the coverage you want
  • Access to large national networks, so you can find quality care near you
Important information about these plans

THESE PLANS PROVIDE LIMITED BENEFITS

For complete limitations & exclusions by state for Short Term Medical insurance, click here. Plan options vary by state.

This coverage is not required to comply with 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 exclusions 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). 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.

This policy does not meet the definition of qualifying previous coverage or qualifying existing coverage. As a result, if purchased in lieu of a conversion policy or other group coverage, you may have to meet a pre-existing condition requirement when renewing or purchasing other coverage.

Fixed-Benefit Medical Insurance gives you affordable access to health care with set dollar amounts for hospitalization, office visits, lab work, and more.

You’ll know up front how much the plan will pay for covered services. You’re responsible for any payment over the benefit amount.

Fixed-benefit plans:

  • Include quality of life benefits like telemedicine and discounts on a variety of everyday items and services through a LIFE Association membership (varies by state)
  • Offer many benefit levels to fit your budget and needs, with coverage for doctor visits, preventive care, urgent care, hospital admission & more
  • Have no open enrollment period. Sign up any time you like, with next-day effective dates
  • Can be combined with a Short Term Medical or major medical plan to build a more complete coverage solution
Important information about these plans

THESE PLANS PROVIDE LIMITED BENEFITS

NOTICE: This plan does not meet the definition of ”Minimum Essential Coverage” under the Affordable Care Act.

Worried about high out-of-pocket costs?

Supplemental insurance plans can help protect your wallet in the event of an accident or critical illness diagnosis. Most plans pay lump-sum benefits directly to you that you can use any way you like – deductibles, medical expenses, even household bills.

Choose the supplemental plans that align with your health and wellness, your lifestyle, and your budget. These plans:

  • Come in a wide range of options, with coverage that can be tailored to your needs and budget
  • Have no open enrollment period. Sign up any time you like, with next-day effective dates
  • Can be combined with medical insurance, including major medical and Short Term, to maximize your coverage and reduce what you pay out of pocket for medical care
Important information about these plans

THESE PLANS PROVIDE LIMITED BENEFITS

Want to improve your overall health? Protect that sparkling smile!

Dental insurance provides benefits for routine checkups and other common dental services.

Our dental PPO plans feature:

  • Multiple benefit levels to choose from.
  • No waiting period for preventive care coverage and other services with most plans.
  • Access to a national network (varies by state).
  • Network discounts on both basic and major services.
Important information about these plans

THESE PLANS PROVIDE LIMITED BENEFITS

If you need help, our licensed agents can walk you through plan options and help assess your health coverage needs.