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Hospital and Accident Indemnity Plans

Hospital, Accident and other indemnity plans

Do you have a high-deductible plan that you’d like to supplement affordably?
Are you looking for extra coverage, like hospitalization or accident insurance?
Are you an employer or group seeking voluntary or worksite solutions for your people?

Who can benefit from short term health insurance?

You start your own business and no longer have group coverage. You’re between jobs and COBRA coverage doesn’t fit your budget. You’ve retired early and need coverage until Medicare starts. There are times when a budget-friendly bridge through a gap in health coverage is needed. If you’re in one of those times, that’s when a short term medical plan may be able to help.

Book a free appointment here to have us craft your custom solution!

Self-Employed

Or seasonal worker

Between Jobs

Just graduated or out of work

Fill The Gap

Waiting for other coverage to start

Family Needs

Include eligible children in many states

Retired Early

Needing a bridge to Medicare

Short Term FAQs

What is Short Term Health Insurance?
Short term health insurance plans provide fast and flexible health coverage for a temporary time. See short-term plan options and apply today.
Is a Short Term Plan the right health insurance choice for me?

Short Term or Temporary health insurance plans may make sense if you are:

  • Rolling off your parent’s insurance
  • In between jobs
  • Without health insurance, have missed Open Enrollment and do not have a qualifying event for Special Enrollment
  • Waiting for your Affordable Care Act (ACA) coverage to begin
  • Waiting for benefits to begin at a new job
  • Waiting for Medicare
  • Needing a temporary alternative to COBRA insurance
  • Losing coverage following a divorce
  • Under 65 and in good health

In these situations and others where you find yourself temporarily lacking health care coverage, choosing a Short-Term health insurance plan may be just the security you need to get you to that next stage of your life.

How soon can I get covered?

As early as the next day after you apply in many cases.

Do I need to buy short term or temporary health insurance during a certain enrollment period?

No. You can apply for Short Term or Temporary health insurance at any time. This is different from Affordable Care Act (ACA) coverage, also known as Obamacare, which you can buy only during Open Enrollment each year or during a qualified Special Enrollment time.

Do Short Term Insurance Plans meet Affordable Care Act (ACA) requirements?

No. Short Term plans are not ACA, or Obamacare, health plans. While both ACA and Short Term health insurance plans cover major health events in your life, there are important differences.

ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on preexisting conditions. Also, ACA health plans are required to cover 10 essential health benefits:

  1. Doctor visits for illness and injury and other outpatient care (ambulatory services)
  2. Emergency services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services
  6. Prescription drug coverage
  7. Rehabilitative and habilitative services and devices (relearning to walk after a stroke and improving ability to speak without an impediment)
  8. Laboratory tests and services
  9. Preventive and wellness care
  10. Pediatric services (including both oral care and vision care)
In contrast, Short Term health insurance is not required to cover all of these benefits, so plans can vary in what they cover. Also, Short-Term insurance plans typically do not cover preexisting medical conditions. You must apply and answer a series of medical questions to determine your eligibility for these plans.
Can I cover my family with Short Term Insurance?
Yes, in many cases, you can cover spouses and dependents with Short Term insurance. Note: State variations do apply. In some states, you may not be able to include spouses and dependents. And in states where you can cover them, all family members will be subject to the same series of medical questions to determine if they are eligible for the plan.
Can I avoid Federal ACA Tax Penalties with a Short Term Health Insurance Plan?

Short-Term health insurance is not “minimum essential coverage” as defined by the ACA. As of January 1, 2019, there is no federal tax penalty for not having minimum essential coverage.

However, tax penalties may still vary at the state level. Consult your tax advisor for more information.

Here are some of our available options…

(Hospital + Doctor Fixed Indemnity)

🏥 + 👨‍⚕️

The cost of medical care can add up quickly. Health ProtectorGuard fixed indemnity plan pays fixed cash benefits for specific hospital and doctor expenses. With Health ProtectorGuard, you can receive benefits for the entire family and continue to renew a plan through age 65.

Health ProtectorGuard plans are designed to supplement health insurance and assist with costs incurred from hospital services, helping to lower out-of-pocket expenses.

Health ProtectorGuard – pays a fixed amount per day for Hospital Confinement, ICU Confinement, Emergency Room, plus other medical services up to the calendar year maximum.

 Critical Illness

👩‍⚕️ 🏥 🚑

Loss of income resulting from a serious illness would likely affect your way of life. Critical Illness insurance pays cash directly to you in a single payment for a qualifying serious illness.

Critical Illness insurance is not limited to those with a health insurance plan. Critical Illness insurance can pair with a major medical plan, temporary health insurance plan, or stand-alone.

Aflac

Click here to get a custom Aflac quote

Mosaic Group
(via BlueCross and BlueShield of North Carolina)

Mosaic Group offers the following solutions for individuals/familiies:

Accident Insurance

Hospital Confinement Insurance

Critical Illness Insurance

Click here for our Mosaic Group employer benefits worksite options

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!

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 for more info.

MD Live App downloads are available here.

Get A Rate Quote

Or enroll online here

Book Your Free Consultation

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