• Where can I find the full benefits of my coverage?

    When you enroll you will receive several emails, one containing account login information. Once your account is set up you will find your ID card, application and the complete insurance certificate. A summary of your plan is also located in a PDF titled, “Schedule of Benefits.”

  • Are there network restrictions?

    Yes and no – it depends on the type of plan you select. If you purchase an “all-access” plan with no doctor restrictions, you can see any provider or medical facility you would like (Economy, Choice, Standard and Deluxe plans). However, some Pivot Health plans have a a recommended “in-network”…

  • How do I enroll in a short-term health plan?

    To quote and enroll, you must provide your ZIP code, birthdate, gender and coverage duration period to get a quote. Once you compare plans, read the brochure and review the exclusions and limitations, you select the best plan for your needs. To see if you qualify, you must answer a…

  • Are pre-existing conditions covered?

    No. Short-term health insurance does not cover pre-existing conditions. If you have a medical incident caused by a pre-existing condition while under a short-term policy you are responsible for treatment. Only new accidents and illnesses are covered, subject to the deductible and coinsurance.

  • Who are the best candidates for short-term health insurance?

    When you find yourself uninsured or needing a more economical insurance option, short-term medical insurance can be an excellent temporary choice. You can be a candidate for short-term insurance if you encounter certain life situations like: You lost your employer health insurance. COBRA insurance is too expensive for your budget….

  • How does billing and canceling my plan work?

    You are billed for your first month’s premium right away. For all subsequent months, credit cards or bank accounts are either charged around the 10th of the month or the 22nd of the month depending on the initial enrollment date. To cancel your policy, you can email clientservices@insurancebenefitadministrators.com. 

  • Why is short-term health insurance less expensive than ACA plans?

    Short-term medical plans are for the “right now.”  They do not cover conditions that you might have been diagnosed with previously or been advised by a doctor to seek further treatment. Short-term insurance is for protecting you going forward with any new conditions that might arise. This helps keep the…