Short term insurance for the USA

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

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