An overview of the Pivot short term health insurance for those residing in the U.S.
Short term medical maybe an option for (a) Individuals and families who missed open enrollment period (b) Unemployed temporarily (c) Looking for COBRA alternative (d) Adult children losing coverage from their parent’s plan (e) Recent graduates who do not have coverage under their parent’s plan (f) Employees without group insurance coverage (g) And waiting for employer benefits to start.
The Pivot short term medical plan may be the best fit for you as a temporary option to medical care in the United States. The Pivot short term medical plan has (a) 1,000,000USD medical benefits per coverage period (b) Deductible options to choose from (c) Two coinsurance options and (d) Freedom to choose any medical doctor or hospital in the United States. (e) Child only coverage available (f) And extra non-insurance savings such as copy doctor consultation 24/7.
Why you need the Pivot short term health insurance for coverage when you are residing in the U.S.
You have 4 different types of medical plan options you may choose from (a) Economy (b) Choice (c) Standard (d) And Deluxe.
Once you are on your Pivot short term medical bridge plan, you will be covered in all 50 States. Your Pivot Short Term medical plan (a) Is not ACA compliant (b) May be purchased for 90 days or less and then renewed four more times to be covered under 12 months – (a) Does not cover pre-existing medical conditions (b) Includes doctor visit copays (c) Has prescription coverage (d) Up to $1 million USD maximum coverage (c) Has access to telemedicine 24/7 (d) Provides discounts and provides lifestyle benefits (e) Freedom to choose any doctor or hospital. Thus, no network (f) Has child-only coverage available (g) And may choose different deductible and coinsurance options.
Why I like the Pivot short term health insurance for coverage within the U.S.
First reason I choose the Pivot short term health insurance for my temporary medical plan here in the U.S. (a) The Pivot short term medical plan is a bridge plan. (b) Or could be called a short-term medical plan (c) Or also called a temporary catastrophic medical plan
The Pivot short term bridge plan may be an option for those who are (a) Temporarily unemployed (b) Looking for COBRA alternative (c) Adult children losing coverage from parent’s plan (d) Recent graduates who do not have coverage under their employer’s or parent’s plan (e) Employees without employer group medical insurance (f) Or waiting for employer group medical insurance benefits to start
Another reason I choose the Pivot short term bridge medical plan (a) Even though I understand that it is not an ACA (Affordable Care Act) type of medical cover. (b) And I still have great temporary medical coverage until get a job with a company that provides employer group medical cover.
I can’t wait to be employed again and get on great coverage like I had at my prior job. But until then I have peace of mind that my Pivot temporary medical plan will take great care of me.
The medical benefits of the Pivot short term health insurance for coverage within the U.S.
You may choose four different medical plan options on your Pivot short term medical plan – (a) Economy (b) Choice (c) Standard (d) And Deluxe.
Medical maximum coverage you may choose from on your Pivot bridge medical plan are (all in USD) (a) $100,000 (b) $250,000 (c) $500,000 and (d) $1,000,000.
You may also choose quite a few deductible options from (all in USD) (a) $1,000 (b) $1,500 (c) $2,000 (d) $2,500 (e) $3,000 (f) $5,000 (g) $7,500 (i) And $10,000.
Here are three other great benefits your Pivot short term medical plan provides – (a) You have no medical network to use in the U.S. This means you have the freedom to choose an medical doctor or hospital.
On your prescription medical cover, you have the option to choose (a) Rx discount or (b) Rx copays on generic and brand prescriptions
Is there child only coverage available on the Pivot short term medical plan? (a) Yes (b) You have the option of child-only coverage (c) Or having your child(ren) on your medical plan.
Frequently Asked Questions and Answers of the Pivot short term health insurance for coverage within the U.S. – Part 1 of 2
Question – What is the network that I must use when on my Pivot short term medical plan? Also, how big is the network and may I use my Pivot plan throughout the U.S?
Answer – There is no medical network. This means you may use any medical doctor, medical hospital, and any medical facility.
Question – What is the minimum amount of time I may purchase my Pivot short term medical plan?
Answer – You may purchase for a minimum of one month.
Question – May I purchase more than one month of coverage?
Answer – You may purchase up to 90 days and then renew for another 90 day. The advantage of back-to-back policies – (a) While your deductible and any out-of-pocket responsibilities start over with each subsequent coverage certificate, 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. (b) There are no medical questions to qualify or new waiting periods after your initial enrollment. (c) 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. (d) You do not have to qualify again for the three additional certificates, and you can cancel at any time. (e) 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. (f) 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 which you can print and use for the following period.
Frequently Asked Questions and Answers of the Pivot short term health insurance for coverage within the U.S. – Part 2 of 2
Adelina had three quick questions to ask Tracy before she decided to purchase her Pivot short term medical plan.
If you reside in these U.S. States, you may purchase your Pivot short term medical plan – (a) Alabama, Arkansas, Arizona, Delaware, Florida, Georgia, Iowa, Idaho, Indiana, Kentucky, Louisiana, Michigan, Missouri, Mississippi (b) As well as in North Carolina, Nebraska, Nevada, Ohio, Oklahoma, Oregon, Tennessee, Texas, Virginia, Wisconsin, West Virginia, Wyoming. (Or call our office at 480-813-9100 to talk to one of our insurance agents here in Gilbert, Arizona.
Question – Is there a medical network that I have to use when I am on my Pivot short term medical plan?
Answer – There is no medical network you have to choose. You have the freedom to choose any medical doctor or hospital throughout the U.S.
Question – Are there any copay options on any of the four plans with my Pivot short term medical plan?
Answer – On select plans, you have a $30 primary physician copay and $60 Urgent Care and specialty physician copay benefits. It all depends on which of the four plans you choose.