Affordable Short Term Health Insurance
Connect offers Short Term Medical plans with many options to fit your temporary coverage needs. Next Day Coverage is available. Quote, Apply and Print your policy in less than 10 minutes. *Underwritten by Independence American Insurance Company.
This traditional short-term policy offers several deductible and coinsurance options, as well as choice of a plan with an office visit copay or an outpatient prescription drug benefit. Select a Connect Extend option for coverage up to 36 months. Note: The Extend option is not available in all states.
After the copay, the balance of the physician office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests, will be subject to the plan deductible and coinsurance. Physician office visits beyond the maximum number allowed for this copay benefit are subject to the plan deductible and coinsurance.
$50 copay The number of office visit copays available is based on the length of coverage period selected:
- Maximum of 1 visit for 30 – 90 days of coverage
- Maximum of 2 visits for 91 – 180 days of coverage
- Maximum of 3 visits for 181 – 364 days of coverage
Note: Office visit copay is not applicable in all states.
Outpatient Rx deductible: $2,500
The outpatient prescription deductible is per covered person and is separate from the plan deductible.
After the prescription deductible has been satisfied, a copay benefit is available for generic and brand name drugs. Covered expenses above the copay are paid at 100 percent, up to the outpatient prescription period maximum benefit amount.
- Generic: $20 copay per prescription
- Brand name drugs: $50 copay per prescription
- Non-formulary drugs: No coverage, discount only
Outpatient Rx maximum benefit $2,500
Maximum benefit paid per covered person.
Note: Outpatient presciption drug benefit is not applicable in all states.
Connect Extend OV and Connect Extend Rx
The option to extend coverage beyond the initial 364 day coverage period is available with an Extend plan. The maximum coverage duration varies by state. Not available on Connect Plus OV or Connect Plus Rx plans.
Extend plans are not available in IL, MD, MI, MT, NH, NV, OH, PA, SD and WI.
Connect Plus OV and Connect Plus Rx: A benefit of up to $25,000 is available for eligible medical expenses for pre-existing conditions, per person, per policy. After the $25,000 benefit has been reached, expenses resulting from pre-existing conditions are not covered. The maximum benefit of $25,000 is available for the primary insured, covered spouse and each covered child.
- Free Look Period ensures your satisfaction with a 10-day money back guarantee
- Plans pay up to $2,000,000 Lifetime Maximum per Covered Person
- Choice of Coverage Periods - 30 to 364 days depending on your state
- Cancel at any time - Monthly plans can be canceled at any time
- Choice of Deductibles - Wide range of deductibles from $2,500, $5,000 or $10,000
- Coinsurance options - 20%, 30% and 50% depending on plan choice and state options
- Choose a monthly plan and cancel at any time
- Child Only Coverage is available - the minimum age is two years old
- $50 Office Visits Copay- The $50 Copay applies to the physician’s consultation charge. After you pay $50, the plan pays 100 percent of the consultation charge balance with no deductible. Office visit copay is not applicable in all states
- Between jobs or laid off - Waiting for employer benefits
- Part-time or temporary employees with no group coverage
- College Student or recently graduated and searching for employment
- Finding COBRA health insurance coverage is unaffordable
- Looking to fill the gap until the next open enrollment period
After applying online, you will access to your plan documents and ID cards. You will receive information on how to setup and access your online account. You will also receive your ID cards by mail.
Connect Plan Details
Connect offers affordable short term health insurance to protect you and your family. You should consider one of the Connect plans if you are looking for a choice in affordable coverage to protect yourself and family from the high medical costs associated with an unexpected accident, injury or illness.
Why Short Term Medical Insurance?
Short-term insurance plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, short-term insurance helps pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more. Exclusions and limitations apply.
With Connect you will have many plan options to choose from. You can choose your deductible, coinsurance out of pocket limits, maximum coverage amount, and the exact length of coverage. You also have the freedom to receive treatment from doctors and hospitals of your choice.
The following plans are underwritten by Independence American Insurance Company - A member of the IHC Group
Connect STM This traditional short-term policy offers several options and a $2 million coverage-period maximum to provide benefits and protection for you and your family. Select Connect STM Extend for coverage up to 36 months.*
Connect Plus While most short-term medical policies do not cover expenses for pre-existing medical conditions, Connect Plus provides a $25,000 benefit for eligible pre-existing healthcare expenses.
Connect STM OV and Connect STM Rx
This traditional short-term policy offers several deductible and coinsurance options, as well as choice of a plan with an office visit copay or an outpatient prescription drug benefit. Select a Connect Extend option for coverage up to 36 months.
Connect Plus OV and Connect Plus Rx
Offering a $25,000 benefit for eligible pre-existing healthcare expenses and a choice between an office visit copay or an outpatient prescription drug benefit.
*Extended duration options are not available in all states.
Note: Plan options and availability vary by state. When running a quote, the plans available in your state will be shown. State specific plan brochures are available when running a quote.
Utilize a network provider and save. With your short-term medical plan, you have the freedom to choose any provider. In certain markets, you also have access to discounted medical services through national preferred provider organizations (PPOs). These network providers have agreed to negotiated prices for their services and supplies. While you have the flexibility to choose any healthcare provider, the discounts available through network providers for covered services may help to lower your out-of-pocket costs.
All benefits, except physician office visits applied to the copay, are subject to the selected plan deductible and coinsurance percentage unless otherwise noted below. Covered expenses are limited by the usual, reasonable and customary charge as well as any benefit-specific maximum listed in the schedule of benefits. If a benefit-specific maximum does not apply to the covered expense, benefits are limited by the coverage-period maximum. Benefits may vary based on your state of residence.
- Prescription drugs administered while hospital confined
- X-ray exams, laboratory tests and analysis
- Anesthesiologist services, not to exceed 20 percent of the primary surgeon’s covered charges
- Assistant surgeon services, not to exceed 20 percent of the primary surgeon’s covered charges
- Surgeon’s assistant services, not to exceed 15 percent of the primary surgeon’s covered charges
- Organ, tissue or bone marrow transplants, not to exceed $150,000 per coverage period*
- Acquired Immune Deficiency Syndrome (AIDS), not to exceed $10,000 per coverage period*
- Blood or blood plasma and their administration
- Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and chemotherapy services and equipment rental
- Mammography, pap smear and prostate specific antigen test, covered at specific age intervals and when recommended by a physician, NOT subject to the plan deductible
*If the Connect STM Extend or Connect Value Extend plans are selected, coverage-period maximums reset after the initial 364 days and each 12 month coverage period after.
1 Refer to the policy for complete details
Pre-existing condition limitation and definition* A pre-existing condition is defined as any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered persons’ effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment.** Consultation means evaluation, diagnosis, or medical advice was given with or without a personal examination or visit. *Definition varies by state. **Six months in GA, ID, NH, NV, OH, and WY; 12 months in IN, LA, ME, MI, MD, NC, SD, WI, and WV; 24 months in FL, IL, UT; and 36 months in MT.
Connect OV and Connect Rx: A pre-existing condition will not be a covered benefit. Connect Plus: A benefit of up to $25,000 is available for eligible medical expenses for pre-existing conditions, per person, per policy.
This product is not considered to be Minimal Essential Coverage
as defined by the Patient Protection and Affordable Care Act (ACA).
About Independence American Insurance Company:
Independence American Insurance Company is domiciled in Delaware and is licensed to write property and/or casualty insurance in all 50 states and the District of Columbia. Its products include short-term medical, hospital indemnity, fixed indemnity limited benefit, group and individual dental, and pet insurance. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).
Long Term Consumer Care, Inc. is a insurance agency / producer licensed in most states and is not an employee of IHC.
Short term health insurance is designed to provide low cost medical coverage on a temporary basis.
Ideal if you are between jobs, a temporary or seasonal worker, a college student or recent graduate, in a waiting period, while between permanent health plans or as a low cost alternative to COBRA insurance.
It's really the only other option available if you missed the open enrollment period.
Coverage can be selected for 30 to 364 days depending on the state. If coverage is needed longer than 364 days, up to 24 months may be added to the initial coverage duration through the Connect STM Extend or Connect Value Extend plans, available in select states. Extended durations must be chosen at time of application. Connect Plus does not offer a coverage period extension. The maximum allowable duration varies by state.
Your short term coverage can begin as early as the next day. You can also select a later effective date (up to 60 days in the future)
Did you know that about 10,000 people turn 65 each day?
Many of our customers are turning 65 in the next year. Many choose a short term medical plan to cover them until they turn 65.
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