Temporary Health Insurance - Short Term Coverage at Guaranteed Lowest Rates

Temporary medical coverage for 30 Days to 12 months - Get Covered as Early as Tomorrow!

Get a Free Rx, Lab & Imaging Savings Plan When you apply through this site More Info

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Temporary health insurance is short term coverage for 30 days to 6 or 12 months. Temporary health insurance protects you in the event of an unexpected illness, accident or injury. Temporary plans are available in every state except MA, NJ, NY or VT. All of the plans we offer (except for Golden Rule) allow you to use any doctor or hospital. Child only coverage is available with most plans. All quotes and applications are processed directly through the insurance company's. All temporary health health insurance plans have monthly or single payment options. Choose the monthly payment option if you are unsure how long you will need coverage. All plans are Rated A-Excellent or better by AM Best. Please Call us at: 1-800-544-9505 if you need help choosing a temporary plan or have any specific needs. All application or administrative fees are charged by the insurance company.

This is a brief overview of how temporary plans work and how each plan is different. Temporary Health Insurance will cover you if you become ill, have an accident or injury. Temporary coverage includes doctor office visits, inpatient and outpatient hospital, surgery, transplants, x-ray, labs and more. Most plans allow you to choose any doctor or hospital. Many also have PPO network options you can use for extra savings. Coverage can begin as early as 12:01AM tonight. You can also choose a later date. Completing the temporary health insurance application takes less than 10 minutes. Most plans have instant online approval if you are eligible. If you can answer NO to the few medical questions you are eligible and the policy is approved. You can apply and pay for your plan online, by mail or fax. Most plans have a 10 day free look period and you can cancel the plan for any reason for a complete refund of the premium. The refund policy may vary by state.

Deductibles and Co-Insurance - If you become ill, have an accident or injury, payments are made according to the deductible and co-insurance that you choose. First you would pay your deductible and then the co-insurance starts. Co-insurance is the amount you are required to pay for medical care after the deductible has been met. The Co-insurance rate is expressed as a percentage and there is a dollar limit. For example, the insurance company may pay 80% of the covered claim, and the insured pays the remaining 20%. This would be called 80/20. If the limit is $5,000, then the insurance company would pay 80% and you would pay 20%. After this, the insurance company pays 100% up to the policy limits. It pays to know what your co-insurance limit is.

Example: - Chris purchased a Temporary Medical plan with a $1,000 deductible and 80/20 Co-insurance (with a $5,000 co-insurance limit).

Unfortunatly, Chris fell off the ladder while cleaning the gutter and fractured his arm and leg. The total medical bill is $18,000. First Chris would pay his $1,000 deductible. Next Chris would pay 20% of the next $5,000 (the $5,000 is the co-insurance limit) and the insurance company pays 80%. After this, the insurance company pays 100% of the medical bill according to the policy limits.

Chris has a total out of pocket expense of: $1,000 deductible + $1,000 for the co-insurance = $2,000

The remaining $16,000 is paid by the insurance company.

 

Every temporary health insurance plan includes a FREE Rx, Lab and Imaging Plan when you apply for your temporary insurance through ConsumerBenefits.net. This plan is designed to save you money on your out of pocket expenses. We make these plan available to all of our customers. The savings plans are not part of the insurance policy or associated with any of the insurance companies we represent. More Info

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Plan 1: Secure Lite Temporary Health Insurance (Underwritten by Standard Security Life Insurance Company of NY - Rated A- Excellent by AM Best)
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length
Secure Lite STM Temporary Health Insurance $750,000/Person $500 to $5000 After you pay your deductible, the plan pays 80% or 50% of the next $10,000 and then 100% up to $750,000 30 Days to 6 or 12 months
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Available in ALL States Except: CT, MA, NJ, NY, VT, WA.  Use any doctor or hospital.  Includes inpatient Rx coverage. Optional Rx Pay Card available, Single payment discounts available.  Includes the Enhancement Series discount plan. Available to both U.S and Non-U.S citizens residing in the US. Application Fee $20. (Low priced plan with limited benefits)

Quote of Apply - Secure Lite

Plan 2: HCC Temporary Health Insurance (Underwritten by HCC Life Insurance Company - Rated A+ Superior by AM Best)
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length
HCC Temporary Health Insurance $2,000,000/Person $250 to $7500 After you pay your deductible, the plan pays 80% or 50% of the next $5,000 and then 100% up to $2,000,000 30 Days to 6 or 11 months
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Available in ALL States Except: MA, MN, NJ, NY, VT.  Use any doctor or hospital.  Includes inpatient Rx coverage. $50 Co-pay (deductible waived when using a urgent care center). Single payment discounts available. Available to both U.S and Non-U.S citizens residing in the US. Application Fee $0. (Low priced plan with excellent benefits)

Quote of Apply - HCC STM

Plan 3: 1st Med STM Temporary Health Insurance (Underwritten by Companion Life Insurance Company)
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length
1st Med STM Temporary Health Insurance $2,000,000/Person $250 to $7,500 After you pay your deductible, the plan pays 80% or 50% of the next $5,000 and then 100% up to $2,000,000 30 Days to 6 or 12 months
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Available in the Following States: AL, AZ, DC, FL, IA, IL, MS, NE, OH, OK, PA, TN, TX, VA, WI, WY.  Use any doctor or hospital.  Includes inpatient Rx coverage. $50 Co-pay (deductible waived for doctor office visits and urgent care centers). Single payment discounts available. Available to both U.S and Non-U.S citizens residing in the US. Application Fee $15. 

Quote of Apply - 1st Med STM

Plan 4: Assurant Temporary Health Insurance (Underwritten by Time Insurance Company - Rated A- Excellent by AM Best)
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length
Assurant Temporary Health Insurance $2,000,000/Person $1,000 to $5,000 After you pay your deductible, the plan pays 100%, 80% or 50% of the next $10,000 and then 100% up to $2,000,000 30 Days to 6 months
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Available in ALL States Except: CT, DE, HI, MA, NM, NJ, NY, VT, WV.  Use any doctor or hospital.  Includes inpatient and outpatient Rx coverage. Family plans have a single shared deductible. Optional Accident Medical rider available. Single payment discounts available. Available to U.S citizens only. Application Fee $25.

Quote of Apply - Assurant Health STM

Plan 5: Selected Choice Temporary Health Insurance (Underwritten by Pan-American Life Insurance Company - Rated A Excellent by AM Best)
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length
Selected Choice Temporary Health Insurance $1,000,000/Person $500 to $10,000 After you pay your deductible, the plan pays 80% or 50% of the next $5,000 and then 100% up to $1,000,000 30 Days to 6 or 11 months
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Available in ALL States Except:CA, MD, MA, ME, NN, NC, ND, NH, NJ, NY, UT, VT, WA.  Use any doctor or hospital.  Pays $50 towards doctor visits before deductible, twice per person. Single payment discounts available. Does NOT include prescription coverage. Social Security number is required when applying. Application Fee $0.

Quote of Apply - Select STM

Plan 6: Secure Temporary Health Insurance (Underwritten by Standard Security Life Insurance Company of NY - Rated A- Excellent by AM Best)
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length
Secure STM Temporary Health Insurance $2,000,000/Person $500 to $5000 After you pay your deductible, the plan pays 80%, 70% or 50% of the next $10,000 and then 100% up to $2,000,000 30 Days to 6 months
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Available in ALL States Except: CT, MA, NJ, NY, VT, WA.  Use any doctor or hospital.  Includes inpatient Rx coverage. Optional Rx Pay Card available, Single payment discounts available.  Includes the Enhancement Series discount plan. Available to both U.S and Non-U.S citizens residing in the US. Application Fee $10.

Quote of Apply - Secure STM

Note: The following temporary plan does not have online approval. Completed applications are reviewed by the Golden Rule insurance company. The insurance company will send you a notification by email within one to three business days to notify you if the policy has been approved. If approved, the effective date will be the date you requested when applying. The United HealthOne temporary health plans use PPO networks

Plan 7: Golden Rule / United HealthOne Temporary Health Insurance (Underwritten by Golden Rule Insurance Company Rated A Excellent by AM Best)
Plan Name Policy Medical Limits Deductible Options Co-Insurance Options Coverage Length
Golden Rule United HealthOne Temporary Health Insurance Varies by Plan $500 to $5000 Co-Insurance options vary by plan. 30 Days to 6 or 11 months
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Available in ALL States Except: CA, DC, HI, ID, IN, LA, ME, MD, MA, MN, MT, NV, NH, NJ, NM, NY, ND, OR, RI, SC, UT, VT, WA.  Three plans available depending on the state you reside in. United HealthOne / Golden Rule plans use PPO Networks. Rx coverage varies by plan. Single payment discounts available. Application Fee $20.

Quote of Apply - Golden Rule STM

If you have any questions about the temporary health insurance plans, Call 1-800-544-9505