Short Term Health Insurance Direct
Instant Approval with Next day coverage available
Guaranteed Lowest Rates with No additional fees
If you don't qualify for a standard short term plan, National General offers a Guaranteed Issue plan in all states EXCEPT: AK, CA, CO, CT, DE, MA, MD, ME, MN, NH, NJ, NM, NY, OR, RI, VT, WA. Click Here for more information.
At ConsumerBenefits.net we care about our customers and we understand how difficult it can be when choosing the right coverage. The healthcare environment has vastly changed in the twenty plus years we have been online. Give us a call to discuss your short term health insurance needs. If we don't have what you need, we can usually point you in the right direction.
Our service is of no cost to you and our top rated customer service is included at no charge. We don't add any additional fees to the plans we offer either. We do this because we want ConsumerBenefits to be your first and last stop when you are shopping for quality health and dental insurance at the best possible price.
- 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
- Less than a year from Medicare eligibility
- Needing to prove they have health coverage
Licensed in 46 states, we offer Short Term Medical insurance plans by The IHC Group, Standard Security Life Insurance Company, National General and NHIC. Carrier options vary by state.
All of the short term plans we offer (except UnitedHealthcare) have instant online approval. At the end of the process, you can print your policy and ID cards or save them to your computer.
The short term medical plans by UnitedHealthcare are reviewed prior to being issued. The effective date chosen is honored.
Offering short term health insurance by: HCC Life, The IHC Group, UnitedHealthOne and National General. Dental Insurance by: Spirit Dental - Security Life Insurance Company of America and IHC Health Solutions. Discount Dental Plans by: Careington, Dental Access utilizing the Aetna Dental Access® Network and Dentemax. International Medical and Travel Insurance by: Seven Corners, IMG - International Medical Group and HCC Atlas
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.
Short term health coverage is available for as little as 30 days and you can keep it for up to 3 months. If you need additional coverage, simply reapply.
Some plans also allow you to choose the single payment option for your temporary coverage and receive a discount up to 35% on the premium.
Your short term coverage can begin as early as the next day. You can also select a later effective date
Recent U.S. immigrants
Individuals who have recently become U.S. citizens may have a waiting period before being able to receive Medicare or other government-sponsored health plans. HCC Life Short Term Medical can be an excellent option for U.S. coverage in your state of residence.
Some plans include application fees. These fees are charged by the insurance company. We do NOT add any additional fees.
All quotes and applications run directly through the insurance companies we represent. This gives you the guaranteed lowest price.
No Out-of-Network Penalties
All of the short term plans except the Secure Net plan and the United Health Care plans allow you to use any provider. There are also PPO network options available with each plan which will allow you to save on out of pocket expenses.
Free Discount Plans
Get Free Rx, Lab & Imaging Plans when you apply through this site. More Info