NHIC National General

Short Term Health Insurance

NHIC National General - Short Term Health Insurance have robust benefits powered by the Aetna Open Choice PPO Network. Next Day Coverage is available and Guaranteed Issue plans are available in many states. Quote, Apply and Print your policy in less than 7 minutes. One time application fee is $35

Rated A- Excellent by AM Best
Available in all states Except: AK, CA, DE, MN, NH, MA, NJ, NY, RI, VT, WA
Powered by the Aetna Open Choice PPO Network is a Preferred Provider Organization (PPO), or network of doctors and health care facilities that agree to provide services at a pre-negotiated, reduced rate. Containing more than 850,000 participating physicians and ancillary providers and 6,900 hospitals, Aetna’s network provides services with strong, negotiated rates, helping you to save on the cost of health care.
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Quote or Apply NHIC STM
Call 1-800-544-9505 with Questions

Urgent Care Copay

Unlimited visits; $50 copay per visit. The remainder of the Urgent Care charge is subject to the coinsurance.

Doctor Office Visit

Will pay up to $50 per visit for the first 3 office visits per coverage term
(not subject to deductible or coinsurance). Any additional office visits
subject to deductible and coinsurance.

Guaranteed Issue Short Term Medical Plan

If you don't qualify for a standard short term plan, National General offers a Guaranteed Issue plan in all states EXCEPT: AK, CA, CO, CT, DE, MA, MD, ME, MN, NH, NJ, NM, NY, OR, RI, VT, WA

NHIC Short Term Health Insurance Features

 

  • Pays up to $1,000,000 Coverage Period Maximum per Covered Person

  • Choice of Coverage Periods - 30 days to 6 months or 11 months

  • Aetna PPO Choice Network > Aetna PPO Provider Search

  • Choice of Deductibles - $1,000, $2,500 or $5,000

  • Coinsurance options - The Insurance company pays 50%, 70%, 80% or 100% of the $5,000 limit

  • When using a Urgent Care Center, the deductible is waived and you pay a $50 copay

  • Choose a monthly plan which you can cancel at any time

  • Child Only Coverage is available - the minimum age is two years old

  • Free Look Period ensures your satisfaction with a 10-day money back guarantee
You can receive your policy online.

When applying for the National General short term medical plan, you will be able to print your policy and ID cards

Short Term Health Plan Details

NHIC Short Term Coverage Plan Details

These plans are designed to be an uncomplicated, temporary solution for individuals and families facing a period of time without the protection of a major medical plan. With a range of deductibles and coinsurance there are several options to help protect your family. With plans offering up to $1,000,000 in coverage, see how the flexibility of a Short Term Medical insurance plan can help you safely navigate a time of transition with minimal risk.

NHIC Short Term Coverage is ideal for those who are

 

  • Between jobs or laid off - Waiting for employer benefits
  • Retired individuals (under 65) waiting for Medicare
  • Part-time or temporary employees with no group coverage
  • College Student or recently graduated and searching for employment
  • Need to prove you have health insurance
  • Finding COBRA health insurance coverage is unaffordable
  • Looking to fill the gap until the next open enrollment period
NHIC STM - Coverage Information

NHIC offers a range of deductibles, payment options and plan choices that can meet your specific needs along with access to a large national provider network that offers the convenience and cost savings you’re looking for.

Sample Coverage Details

 

  • Hospital, Surgery, Anesthesia, Outpatient, Diagnostic Testing,
  • Emergency Room Benefit - Unlimited visits; subject to an additional $250 deductible, unless admitted to hospital
  • Ambulance Benefit Unlimited trips; plan will pay up to $250 per trip
  • Doctor’s Office Visits Benefit Will pay up to $50 per visit for the first 3 office visits per coverage term (not subject to deductible or coinsurance). Any additional office visits subject to deductible and coinsurance
  • Urgent Care Benefit Unlimited visits; $50 copay per visit then subject to coinsurance
  • Skilled Nursing Facility Benefit Maximum 50 visits per coverage term; plan will pay up to $150 per day
  • Mental Health Outpatient Benefit Maximum of 10 visits per coverage term; plan will pay up to $50 per day
  • Home Health Care Benefit Maximum of 60 visits per coverage term; a visit is defined as up to 4 consecutive hours of home health care services in a 24 hour period
  • Transplant Benefit Up to $100,000 per coverage term
  • Expenses related to complications of pregnancy
  • Charges for physical therapy that is prescribed in advance by a physician in relation to a covered injury or sickness
EyeMed Vision Plan

 

National Health Insurance Company (NHIC) is a representative company name for products sold and underwritten by National Health Insurance Company, Integon National Insurance Company, and Integon Indemnity Corporation. These three companies have all been rated as A- (excellent) by A.M. Best. Each underwriting company is financially responsible for its respective products.

The NHIC / National General Short term health insurance plan is designed to provide medical coverage on a short term basis. Ideal if your between jobs, lay off, a college student or recent graduate, need to prove you have insurance, in a waiting period, while between permanent health plans or as a low cost short term health insurance alternative to COBRA or traditional health coverage. IntellaBridgeCare Short term coverage is available for as little as 30 days and you can keep it for up to 6 months or 11 months. Compare all of the short term health insurance plans to find the plan that fits your needs with the lowest cost.

Low Price Guarantee

NHIC IntellaBridgeCare


NOTE: If you are a current customer or provider, Click Here for important contact information.


National General Insurance Company

Aetna Open Choice PPO Provider Search

Long Term Consumer Care, Inc. BBB Business Review

 

 

FAQ

Short term health insurance plans are designed to be an uncomplicated, temporary solution for individuals and
families facing a period of time without the protection of a major medical plan. With a range of
deductibles and coinsurance there are several options to help protect your family. With plans
offering up to $1,000,000 in coverage, see how the flexibility of a Short Term Medical insurance plan can help you safely navigate a time of transition with minimal risk.

The NHIC Short term health coverage is available for as little as 30 days and you can keep it for up to 6 or 11 months depending on what state you live in.

 

The NHIC plans do not have a single payment option. You can cancel the monthly plan at any time.

Choose the start date of your plan.
Effective dates available any day of
the month between the 1st and the
28th. Coverage can begin as soon as
the next day following enrollment.

Accident Medical Plans

Refunds and Cancellations

There is a 10-day free look period following the coverage start date. Cancellations received within the 10-day free look period will be eligible for a full refund, including the enrollment fee. Following the free look period a 10-day minimum cancellation notice is required.

 

Cancellations will be effective at the end of the paid through date, no sooner than 10 days following the date the cancellation request is received. Cancellations must be received in a written format via email, fax or mail.

Application Fee

The NHIC Short Term Medical plan has a $35 application fee - Charged by the insurance company. (We don't charge any additional fees)..

Receive Network Discounts with the Aetna Open Choice PPO Network

NHIC Short Term Medical customers have the freedom to choose doctors and hospitals in the Aetna Network.

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:
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    Menomonee Falls, WI 53051