SHORT-TERM HEALTH COVERAGE

Explore Short-Term Health Plan Benefits

Compare temporary coverage options for individuals and families without employer coverage. Watch the explanation, explore benefit examples, and review your available plans.

Watch: Short-Term Health Insurance Explained

Understand how short-term coverage works before choosing a plan.

Examples of Available Plan Benefits

SELECT COPAY ENHANCED PPO OPTIONS

PPO network options

Cigna PPO and Aetna PPO networks available on select plans. Network availability varies by state and plan; confirm your providers before applying.

$40 primary care / $60 specialist

Limited in-network office visits at a copay. Visit limits apply; additional visits are subject to the deductible and applicable coinsurance.

$10 generic prescriptions

On select plans, with a $3,000 prescription benefit maximum. Covered medications, limitations and exclusions apply.

$6,000 / $8,000 deductible options

Examples from select Copay Enhanced PPO plans. Available deductible options vary by state and plan.

Hospital, diagnostic & preventive benefits

Benefits for covered services, subject to applicable deductibles, visit limits, benefit maximums and exclusions. Preventive coverage varies by service and plan.

These examples do not apply to every plan or state. Review your state-specific brochure and policy before applying.

Compare plan options & limits

Copay office visits are limited. Utah and Arizona examples allow 1 individual or 3 family visits for coverage up to 6 months; 2 individual or 4 family visits for longer coverage periods. The Texas example allows 1 individual or 3 family visits. These are total visits, not separate limits for primary care and specialists.
Prescription coverage has a benefit maximum and exclusions; not every medication is covered.
Provider networks, deductibles, covered services, durations and benefits vary. Confirm availability and provider participation for the specific plan you choose.
Short-term plans can require medical underwriting and exclude pre-existing conditions. They do not provide all ACA essential health benefits.

See My Short-Term Plan Options →

Free to review • No obligation to enroll

How the quote and enrollment process works

1. Start your quoteSubmit your contact information, then continue to the secure National General quote platform.

2. Compare plan detailsReview premiums, benefits, provider networks, exclusions and available coverage periods.

3. Apply securelyChoose an available plan and complete the carrier application if it fits your needs.

Short-term medical insurance is limited-duration coverage and is not comprehensive major medical insurance. It is not required to cover all Affordable Care Act essential health benefits and may include medical underwriting, pre-existing-condition exclusions, waiting periods, benefit limitations, coverage maximums and other exclusions. Availability and allowable duration vary by state. Review the carrier brochure, outline of coverage, policy documents and all exclusions before enrolling. This site is not affiliated with or endorsed by any state or federal government agency.