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Individual Travel Insurance Plans

Pivot Short Term Health Insurance for the U.S.

Temporary US health insurance for US citizens

Why we like it:

Pivot Health Insurance is excellent temporary US health insurance for US citizens. It’s for those needing short-term medical insurance coverage while traveling or living for up to a year inside the USA. We like the easy one-time on-line enrollment and the ability to extend your coverage all the way up to one year (Four 90-day periods) without penalty, increased premiums, etc. 

It’s good for individuals and families who missed the ACA (Affordable Care Act) open enrollment period and those temporarily unemployed. It also covers adult children losing coverage on their parent’s plan; recent graduates; and those waiting for employer benefits to start.

This plan is not ACA (PPACA) -compliant. Those currently on a domestic health plan cannot also use this plan for travel.

Note: Available to residents of the following states – AL, AR, AZ, DE, FL, GA, IA, ID, IL, IN, KY, LA, MI, MO, MS, NC, NE, NV, OH, OK, OR, TN, TX, VA, WI, WV, WY.

Learn about the plan through this video

Good for:

  • Can be covered for up to four, consecutive 90 day periods
  • For coverage within the USA, for those without current coverage
  • Up to age 64 and 11 months, and up to $1,000,000 in benefits
  • pre-existing conditions are carried over & premiums don’t increase
Get a Quote Buy Online Brochure Question?
covered pontoon boat on water
More about this Pivot plan

Highlights

PIVOT INSURANCE PLAN HIGHLIGHTS

  • This short-term health insurance typically costs 50 percent less than an Obamacare (ACA) plan.
  • Choose any doctor you want with Pivot’s open access network or enroll in a PPO network plan.
  • Includes doctor visit copays
  • Prescription coverage
  • Up to $1 million of maximum
  • Access to telemedicine 24/7
  • Discounts

TEMPORARY US HEALTH INSURANCE FOR US CITIZENS

  • Individuals and families who missed the ACA (Affordable Care Act) open enrollment period
  • Unemployed temporarily
  • Adult children losing coverage from parent’s plan
  • Recent graduates who do not have coverage under parent’s plan
  • Waiting for employer benefits to start
  • I’m waiting for my ACA policy to go into effect
  • Age eligibility for individuals up to 64 years and 11 months. (Coverage will automatically cancel when the insured is Medicare eligible.)
  • Those currently on Medicaid, Medicare, or domestic insurance are not eligible.

This plan is not ACA (PPACA) compliant.

Available to residents of the following states:

  • AL, AZ, AR, DE, DC, FL, GA, ID, IL, IN, KY, LA, MI, MO, MS, NC, NE, OH, OK, OR, PA, TN, TX, VA, WI, WV & WY

More highlights – Pivot Temporary US health insurance for US citizens

Highlights on the Pivot U.S. short term health insurance plan:

Choose from four Pivot medical plan choices:

  • Economy
  • Choice
  • Standard
  • Deluxe

Pivot Health Provides Flexible Coverage Options

Choice Plans
Cost-effective coverage with doctor & Urgent Care copay benefits.
From $54-$144

Deluxe Plans
Deluxe Plans – The most expansive coverage offered, these plans have low deductibles and Rx coverage.
From $104-$197

Economy Plans
For those looking for basic basic coverage at the most affordable price.
From $50-$82

Standard Plans
Our standard coverage with low coinsurance responsibilities.
From $84-$131

Premiums are based on a 26 year old female in Arizona using 2019 plan data. Click on Get a Quote to get your own no-obligation, personalized pricing.

 

A 90-day short-term health insurance plan that you may repeat purchase up to 3 more times. Thus a total of four 90 day time frames (360 days protection). Each time you buy another 90-day term, pre-existing conditions are carried over from policy to policy! NO further applications have to be completed & NO medical questions answered after the initial enrollment! (This is called a 4X3 option.)

  • (Pre-existing conditions are those which first manifest themselves after the initial effective date of coverage on the first 90 day policy.)
  • Your deductible and any out-of-pocket responsibilities start over with each subsequent coverage certificate. However, any medical conditions that arise and that were covered by your initial Pivot Health plan will be covered under your subsequent new certificates, subject to plan limitations. There are no medical questions to qualify or new waiting periods after your initial enrollment.
  • Premiums do NOT increase from 90 day term to 90 day term (up to 360 days of coverage)!

Ovarian cancer screen and one annual pap smear per year, per covered female age 18 and over.

“Child-only” coverage is available.

Injuries from interscholastic sports or intercollegiate sports are not excluded.

Benefits associated with Pivot Short Term Health Insurance

Benefits Associated with Pivot Short Term Health Insurance

  • Up to $1,000,000 in benefits per coverage period
  • Deductible options of $1,000, $1,500, $2,000, $2,500, $3,000, $5,000, $7,500 and $10,000
  • 20%-30% coinsurance options
  • Optional Doctor co-pay benefits!
  • Optional RX co-pay benefits!
  • Optl. Urgent Care co-pay benefits!
  • Choice of reduced policy maximums to coincide with shorter 90 day time frame and to reduce premium costs!
  • Freedom of choice of any provider!
  • A+ AM Best rated company!
  • EZ ONE TIME on-line enrollment!

Get a Quote Buy Online Brochure Question?

Videos

An overview of the Pivot short term health insurance for those residing in the U.S.
Why you need the Pivot short term health insurance for coverage when you are residing in the U.S.
Why I like the Pivot short term health insurance for coverage within the U.S.
The medical benefits of the Pivot short term health insurance for coverage within the U.S.
Frequently Asked Questions and Answers of the Pivot short term health insurance for coverage within the U.S. – Part 1 of 2
Frequently Asked Questions and Answers of the Pivot short term health insurance for coverage within the U.S. – Part 2 of 2

How does a 4×3 plan work?

How Long Can a Short Term Medical Plan Cover Me?

The Length of Coverage.

Current federal regulations limit short term medical plans to 90 days under one certificate of insurance. However, Pivot Health offers you the convenient opportunity to apply for up to four back-to-back certificates at one time. You do not have to qualify again for the three additional certificates, and you can cancel at any time.

 

How It Works.

If you decide to enroll in back-to-back coverage terms, a new certificate of additional coverage will follow each 90-day coverage period. Each certificate will have an effective date that starts the day after your previous coverage expires.

Shortly before the expiration of coverage of your active coverage, you will be notified of a new coverage ID card in your online member portal. You can then print that and use for the following period.

 

The Advantage of Back-to-Back Policies.

Your deductible and any out-of-pocket responsibilities start over with each subsequent coverage certificate. But, any medical conditions that arise and that were covered by your initial Pivot Health plan will be covered under your subsequent new certificates, subject to plan limitations. There are no medical questions to qualify or new waiting periods after your initial enrollment.

More about this Pivot Short Term Health Insurance USA plan

Definition of pre-existing medical condition on this short term medical plan

  • For the first policy, pre-existing conditions diagnosed within the sixty-month period immediately preceding such covered person’s effective date are excluded for the first 12 months of coverage. (This exclusion does not apply to a newborn or newly adopted child who is added to coverage under this certificate. ) For policies two, three and four, refer to the policy for the pre-existing condition exclusion.

Understanding coinsurance

  • Coinsurance is the percentage of covered expenses you are responsible for after your deductible is met. Pivot Health plans have 20% or 30% coinsurance options. For example, once you meet your deductible, your insurance pays 80% and you pay 20% of your covered medical bills up to your out-of-pocket limit. Out-of-pocket limits vary by plan, and not all benefits are subject to coinsurance.

Please note –

  • All U.S. short term health plans are not ACA (Affordable Care Act) compatible.
  • Short term U.S. medical plans should be used as a “bridge” until one is able to get on an ACA medical insurance option.
  • ACA medical insurance options are only for those residing in the U.S.

 

Injury from professional or extreme sports is excluded

Injuries resulting from participation in any form of skydiving, scuba diving, auto racing, bungee jumping, hang or ultra light gliding, parasailing, sail planing, flying in an aircraft (other than as a passenger on a commercial airline), rodeo contests are excluded. Also excluded is an injury as a result of participating in any professional, semi-professional or other non-recreational sports including boating, motorcycling, skiing, riding all-terrain vehicles or dirt bikes, snowmobiling or go-carting.

 

Please see the brochure for additional information

 

Eligibility

This Pivot Companion Life Health plan is available to all who are between 18 and 64 years and 11 months of age. Their dependent children and can answer “No” to all of the questions in the application for insurance.

 

 

Who is Companion Life?

Our medical plans are underwritten by Companion Life Insurance Company

Companion Life Insurance Company is rated A+ (Excellent) by A,M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).

Additional Information

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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