Short Term Medical Insurance

– Highly Rated Budget Friendly Healthcare Options –

PIVOT Health Short Term Medical

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PIVOT HEALTH Short term medical insurance plans are designed to be an uncomplicated, temporary health insurance solution for individuals and families facing a period of time without the protection of a major medical plan. With a range of plans, deductibles and coinsurance options, there are dozens of plan options to help protect your family. With short term health insurance 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.

Available in the following states: AL, AR, AZ, FL, GA, IA, ID, IL, IN, KY, KS, LA, MI, MO, MS, MT, NC, ND, NE, NV, OH, OK, OR, SC, TN, TX, VA, WI, WV, WY

Simply Enter your Zip Code and Birth Date for a instant Quote

Simply Enter your Zip Code and Birth Date for a Instant PIVOT Health Quote

Pivot Health Short Term Medical (STM)

Pivot Health Short Term Medical (STM) is designed to provide affordable short-term coverage for every day medical expenses like doctor office visits and outpatient care and, optionally, prescription drug costs.

  • Up to $1,000,000 in benefits per coverage period
  • Deductible options of $1,000, $2,000, $2,500, $3,000, $5,000, $7,500 and $10,000
  • 20%-30% coinsurance options
  • Freedom to choose any doctor or hospital – no networks
  • on select plans, separate $500 prescription drug deductible, plus generic and brand prescription copay options
  • On select plans, $30 primary physician copay, $60 Urgent Care and specialty physician copay benefits
  • Coinsurance maximum out-of-pocket as low as $3,000 per person, per coverage period on select plans
  • Child-only coverage available

Pivot Health Core Short Term Medical (Core STM)

Pivot Health’s Core short term health plans help cover every day medical expenses like doctor office visits and optionally, prescription drug costs, but have more limited coverage for major services like hospital stays and surgeries. This helps you tailor health coverage to just what you need and not spend money on services you might not use. 

  • Low deductibles
  • Doctor visit Co-pays
  • Optional Prescription coverage
  • Access to telemedicine 24/7​
  • Fixed indemnity payments for surgeries and hospitalization
  • Option to purchase *four back-to-back 90-day coverage plans or a 364-day plan
  • Access to First Health®, a large PPO network
  • Discounts and lifestyle benefits​

Pivot Quantum PPO Plans

Pivot Quantum PPO Plans are short-term medical, limited-duration insurance plans that utilize the Cigna PPO Network in most states. 

  • Access to the Cigna PPO network
  • Up to $1 million in benefits per coverage period
  • Deductible option from $2,500 to $10,000
  • Preventive health exam
  • In-network low Rx Co-pays
  • Organ transplants

Pivot Health Epic Short Term Medical (Epic STM)

Pivot Health Epic Short Term Medical (Epic STM) is a flexible health insurance solution designed to help address gaps in health insurance coverage created by temporary situations. 

  • Preventive health exams (after 3 months of coverage)
  • Child immunizations paid at 100%
  • Mammograms, OB-GYN, prostate, colon cancer screenings coverage
  • Optional prescription drug benefits on plans (including contraceptives)
  • “PPO” accessing national network; “Base” accesses RBP
  • Free and unlimited non-insurance telemedicine visits

Length of Coverage

You can keep your coverage for 30 to 364 days. Renewable options for continuous coverage for up to three years. The length of coverage and renewability varies by state.

No Deductibles for Urgent Care

Plan options with Urgent Care and specialty doctor visits; $60 copay per visit. General Practitioner Doctor Office Visit $30 copay.

Doctor Office Visit

Office visit copays, Options including preventative health exams, unlimited telemedicine visits, mammograms, OB-GYN, prostate, colon cancer screenings coverage, Rx coverage and more.

Enhance Your Coverage

Affordable optional add-ons including, dental insurance, vision insurance, critical illness, accident medical.

Guaranteed Issue Short Term Medical Plan by Allstate Health Solutions

If you don’t qualify for a standard short-term plan, View the Guaranteed Issue plans which are available in the following states: AL, AR, AZ, FL, GA, IL, KS, KY, LA, MO, MT, NC, ND, NE, NV, OH, OK, SC, SD, TX, UT, WI, WV, WY

Rate Lock

Did you know that the 3×364 (three consecutive policy’s of 364 days each) day short-term plans have a rate lock feature so premiums won’t increase for the second and third year of coverage? It’s true! Extended duration plans can provide you with budget-friendly coverage!


  • Pays up to $1,000,000 Coverage Period Maximum per Covered Person
  • Choice of Coverage Periods – 30 to 364 days depending on your state
  • Reapply if you need a longer period of coverage or select automatic renewals for up to three years
  • PPO Network options. PPO Networks options vary depending on your state
  • Choice of Deductibles from $1,000 to $10,000 per member
  • Coinsurance options – The Insurance company pays 20% to 50% depending on option chosen
  • Coinsurance out-of-pocket varies by plan and state (Amount you pay after deductible is satisfied
  • When using a Urgent Care Center, the deductible is waived and you pay a $60 copay
  • Choose a monthly plan which you can cancel at any time
  • Child Only Coverage is available – the minimum age is 60 Days Old
  • Free Look Period ensures your satisfaction with a 10-day money back guarantee
Companion Life

PIVOT Health Short Term Plans are 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
Long Term Consumer Care, Inc.

Medical plans underwritten by Companion Life Insurance Company and North River Insurance Company and other insurance companies and is based on the state you reside in.

Underwritten by Companion Life Insurance Co. and North River Insurance Company.

ACA enrollment availability varies by state. Short-term health insurance can be purchased at any time.

This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy/Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your Policy/Certificate might also have lifetime and/or annual dollar limits on health benefits. 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. These plans has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date. The information on this site page is not a policy or contract. Complete plan information is included in the actual policy.

Contact us with any questions you have on PIVOT Health Short Term Medical Insurance.