Diversified Insurance Brokers will take care of all your Short Term Medical needs. If you require major medical coverage for a short period of time, you’re in the right place.
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Short Term Medical Insurance
Short term medical insurance is sometimes called temporary medical insurance.
One may purchase anywhere from 15 days to 364 days (some states have fewer days of coverage allowed) up to ages under 65, depending on the plan chosen. Certain states allow the plan to be repurchased for up to an additional 364 days. Depending on the state and product, this can be an extension of the current policy or a rewrite to a new policy with a new policy number. A rewrite is not considered a renewal, but a new policy. Premiums for short term coverage can be substantially less than comprehensive medical insurance. These plans are for a short term need, to cover a gap or change of circumstance in life such as those listed below.
A coverage loss due to the death of a spouse, or a divorce.
American citizens returning from living overseas.
Employed as a temporary worker
No Obama Care options available.
Cobra is expensive as a choice, but if short term coverage is purchased
the COBRA option is no longer available.
Student or international student graduating.
Employer does not cover part time workers.
Employers who have a waiting period before group insurance starts.
Using a hospital or doctor who will not accept Obama Care.
Students from overseas enrolled in a US college.
Early retirees waiting to enroll in Medicare.
Missed ACA open enrollment.
Between jobs or laid off and looking for a lower cost plan.
Staying insured before ACA coverage begins.
New immigrants to USA trying to find that new job.
Children coming off parents’ individual medical insurance, group insurance or their schools insurance coverage.
Some plans allow one to purchase coverage for all children on one application, with the oldest child as the primary insured.
Email Tonia@dibcompanies.com or Jarad@dibcompanies.com for questions and rates.
Short term medical or temporary insurance covers a new condition for accident or medical as soon as enrolled, after the deductible and out of pocket expenses are satisfied. Be sure to read the preexisting definition for past conditions as there may be waiting periods or they may not being covered at all, as well as any other possible exclusions in the policy.
Examples of what is covered include.
Surgery, Emergency Expenses, Hospitalizations, Lab Tests, Doctor and Specialists Office Visits, X-Rays up to a maximum of normally
$ 1,000,000 or higher, and much more.
Please note the deductible and coinsurance will start over each year like most group and individual medical plans, and maternity will not be covered. Prescription drugs may be covered but possibly only to a certain limit.
Call Diversified Insurance Brokers, Inc. at 800-533-5969 for any other questions.
PivotHealth
- Up to $1 million coverage benefit per period
- 180 or 364 Day coverage periods available
- On select plans office visit copay available
- Choose from eight deductible amounts
- You select your hospital and doctor
- Eligibility up to age 64
- Child-only coverage available
- Ovarian cancer screen and one annual pap smear per year, per covered female age 18 and over
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Click Here for Contracting Once completed you will receive an email to electronically sign contracts.
- Short Term Quote
ONCE CONTRACTED YOU WILL HAVE ACCESS TO YOUR OWN PERSONALIZED LINK FOR ENROLLING!!!
It is best to first use the online quoting and enrolling tool, if your state is not covered or licensed, then submit the proposal to Diversified. We have several underwriters and can find a suitable policy for your state.
Click here to submit a proposal request directly to Diversified.
Short Term Medical is ideal for many people. You should consider this type of policy if you are:
Between jobs
In a waiting period for coverage at a new job
A college student or recent graduate
A temporary or seasonal employee
A dependent falling off your parent’s plan
You have the ability to choose the benefits that best meet your individual needs and budget. You are provided with a number of deductible levels, payment options and length of coverage choices. You are able to choose any doctors and hospitals, up to $1,000,000 in coverage, doctor visits, emergency treatment, hospital stays, surgery, prescription drugs and other medical needs.