Short Term Health Insurance + Hospital Gap Plans

Short Term Medical health plans

Do you need a short term health insurance policy?  Did you lose other coverage and miss out on your SEP Special Enrollment Period? Are you just looking for a more affordable alternative than what you've seen out there already? We have you covered!

Short term plans are only available for a period of up to 90 days, or 3 months. There are several options available, with differing networks, selectable deductibles, coinsurance rates, and other benefits. Details are available on each product by clicking on the links below their title. Short term plans are medically underwritten. 

Click on the links below to view short term plan options available from various carriers:

 Explore Short Term plans from BCBSNC (via IHC Group) 

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Explore Short Term plans from UnitedHealthcare (UHC)

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short term plans


These products are not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don't have Minimum Essential Coverage, you may owe an additional payment with your taxes. The termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. These products may include a pre-existing condition exclusion provision.

 Hospital "Gap", Accident, Critical Illness and other Indemnity Plans

In addition to short-term plans, many customers prefer to supplement their existing high-deductible, HSA, major medical or other coverage with indemnity 'gap' plans. We have several options available - not all are listed here. Please contact us with any questions.

UnitedHealthcare (UHC) Indemnity plans

UHC Fixed/Hospital Indemnity options 

UHC Supplemental Indemnity options 

UHC Accident policy options 

UHC Critical Illness options 

 AllyHealth Telemedicine & Doctor-on-Call App

We are glad to be able to offer valuable whole-family memberships to the top-rated AllyHealth / MDLive telemedicine app for only $11.95/mo!

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Save on costly visits for most common ailments, all in the comfort of your own home and on your own time - 24/7/365. 
And yes, Rx prescriptions can be made over the telephone or via the app live.

Click here or on the logo for more info.

MD Live App downloads are available here.


Get in touch

Hummingbird Insurance ♡ protecting what we love 

Health, Medicare options, dental, vision, life and more for individuals, families and employers. We work with you in-person or over the phone.

Book your free consultation here

Hummingbird offers plans from the top-rated insurance companies. Book online or call us today.

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Hummingbird Insurance is located in Asheville, North Carolina. Our agents are available by appointment only. We look forward to hearing from you soon! ツ