California Short Term Health Insurance Long Term Consumer Care, Inc. BBB Business Review

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California Short term health insurance coverage protects you in the event of an unexpected illness, accident or injury. Coverage is available for up to 90 days. The Standard Security plans allow you to use any doctor or hospital. Child only coverage is available. All quotes and applications are processed directly through the insurance company's. California short term health insurance plans have monthly payment options. Choose the monthly payment option if you are unsure how long you will need coverage. All plans are Rated A-Excellent or better by AM Best. All application or administrative fees are charged by the insurance company. Please Call 1-800-544-9505 if you need help choosing a short term medical plan or have any specific needs. We have been offering short term insurance coverage in California for over 20 years.


Money Back Guarantee: Right to return period If you are not completely satisfied with this coverage and have not filed a claim, you may cancel the Policy within 10 days from the date received and receive a full premium refund.

This is a brief overview of how short term plans work and how each plan is different. Short Term Health Insurance will cover you if you become ill, have an accident or injury. Coverage includes doctor office visits, inpatient and outpatient hospital, surgery, transplants, x-ray, labs and more. Most plans allow you to choose any doctor or hospital. Many also have PPO network options you can use for extra savings. Coverage can begin as early as 12:01AM tonight. You can also choose a later date. Completing the application takes less than 10 minutes. Most plans have instant online approval if you are eligible. If you can answer NO to the few medical questions you are eligible and the policy is approved. You can apply and pay for your plan online, by mail or fax. Most plans have a 10 day free look period and you can cancel the plan for any reason for a complete refund of the premium. The refund policy may vary by state.


Deductibles and Co-Insurance - If you become ill, have an accident or injury, payments are made according to the deductible and co-insurance that you choose. First you would pay your deductible and then the co-insurance starts. Co-insurance is the amount you are required to pay for medical care after the deductible has been met. The Co-insurance rate is expressed as a percentage and there is a dollar limit. For example, the insurance company may pay 80% of the covered claim, and the insured pays the remaining 20%. This would be called 80/20. If the limit is $5,000, then the insurance company would pay 80% and you would pay 20%. After this, the insurance company pays 100% up to the policy limits. It pays to know what your co-insurance limit is.


Example: - John purchased a Short Term Medical plan with a $1,000 deductible and 80/20 Co-insurance (with a $5,000 co-insurance limit).

John falls off his ladder and breaks his leg. The total medical bill is $15,000. First John would pay his $1,000 deductible. Next John would pay 20% of the next $5,000 (the $5,000 is the co-insurance limit) and the insurance company pays 80%. After this, the insurance company pays 100% of the medical bill according to the policy limits.

John's total out of pocket: $1,000 deductible + $1,000 for the co-insurance = $2,000


The remaining $13,000 is paid by the insurance company.


Every Plan includes a FREE Rx, Lab and Imaging Plan when you apply for your short term health insurance through ConsumerBenefits.net. This plan is designed to save you money on your out of pocket expenses. We make these plan available to all of our customers. The savings plans are not part of the insurance policy or associated with any of the insurance companies we represent. Get More Information



IHC Short Term Medical Insurance
Standard Security Rated A - Excellent by AM Best
Available in : California
Deductible Options: $500 to $10,000 | Coinsurance Options Vary by Plan Chosen

Use any doctor or hospital or providers in the MultiPlan Network.  Medical maximum ranging from $750,000 to $2,000,000. Includes inpatient Rx coverage. Optional Rx Pay Card, Dental Insurance and Accident Medical plan available. Doctor office visit consultation paid 100% after a $50 copay. Single payment discounts available.  Includes the Enhancement Series discount plan in most states. Available to both U.S and Non-U.S citizens residing in the US. Child Only coverage is available (2 years old minimum). Coverage length: Monthly up to 90 days. Cancel at any time. IHC Secure Series plans includes 12 plan options in CA. 10 Day money back guarantee. Application Fee $25.

IHC Secure Plans - Quote or Apply | Information Required for Quote: Zip Code & Birth Date | Print ID cards and Policy Online |
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**The IHC short term medical plans in California include: Secure Lite and Secure STM
***All application fees, administrative fees and or association fees are charged by the insurance company
Cancellation information: Short term health insurance plans can be canceled during the free look period. monthly options can be canceled at any time. Refunds on single payment options vary by plan.


About Us

Long Term Consumer Care, Inc. is an insurance agency and brokerage firm. Licensed nationwide, LTCC operates electronic consumer insurance information services nationwide and worldwide. Catering to the needs of self-directed insurance shoppers, we own and operate several insurance related properties. Our sites provide an array of comparative health insurance, short term health insurance, dental, travel insurance quotes and dental discount plans, combined with insurance information and decision-making tools. We provide instant quotes from top rated insurance companies for multiple product lines and allows a user to purchase insurance directly from the company of their choice - always at the lowest price.

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  • Phone:
    (800) 544-9505
  • Fax:
    (262) 436-1720
  • Email:
    info@consumerbenefits.net
  • Address:
    W162 N8241 Tamarack CT
    Suite 102
    Menomonee Falls, WI 53051