Short-Term Medical Plans

Do you need a short-term medical policy to bridge some time?
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 in the ACA already?

Hummingbird has you covered!

short term plans

Gone are the days when Short Term plans were only for clients between jobs and early retirees waiting for Medicare eligibility. Short Term Medical has evolved into a product most anyone can use to bridge the gap to other coverage. Offering benefits for major medical events with an out-of-pocket maximum, Short Term insurance plans can serve as a budget-friendly insurance option.

SHORT-TERM MEDICAL EXPENSE (STM)

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. You may calculate any potential IRS penalty here: https://www.kff.org/interactive/penalty-calculator/ 

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.

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

Explore Short-Term Medical plans from UnitedHealthcare (UHC)

UHC logo

 


 Explore Short-Term Medical plans from BCBSNC (via The IHC Group) 

IHC Logo

[Click here to view The IHC Group / Secure Bridge short term medical plans brochure]

[Click here to view The IHC Group / Secure Bridge Rx Paycard brochure]

 


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!

AllyHealth logo large

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 

Insurance for individuals, families and employers. We specialize in employee benefits, Medicare, health, dental, vision, life & disability

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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