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Short Term Plans

Coverage You Can Count On During Uncertain Times

Today’s world is unpredictable. Cox HealthPlans Short-Term Medical insurance can help you navigate life’s unscripted moments with confidence. Our coverage provides the financial protection you need from unexpected medical bills and other health care expenses during times of change.

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Short Term Plans PPO Application
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Short Term Plans EPO Application
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What it is

Short-Term Medical is a temporary solution to an unexpected loss of your health insurance coverage. It works much like regular insurance coverage, in that you pay a monthly premium, a pre-set deductible amount and co-insurance charges. In return, it helps cover a portion of your regular medical expenses such as check-ups, lab tests and basic procedures, plus gives owners peace of mind in the event of a major illness or injury. The main difference with Short-Term plans is there are no restrictions for employment, open enrollment dates, or other situations that dictate your ability to obtain coverage. With this type of plan you can choose coverage for a fixed period of time or enroll on a month-to-month basis if you are unsure when you will have other coverage options.

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Having a great relationship with your doctor is important. All of our hospitals and clinics are staffed with outstanding physicians and specialists.

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Who Needs It

Short-Term Medical insurance is the perfect solution for:

Individuals in the waiting period before their group or individual major medical coverage begins

Individuals who are laid off or between jobs, especially those who can’t afford the high cost of a COBRA plan

Individuals & families who need coverage until the next Open Enrollment Period and are looking for an alternative to the ACA Exchanges

Young adults who are no longer covered under their parents’ health insurance plan

College students or recent graduates

Individuals not yet eligible for Medicare coverage

Short-Term Plan

Choose the coverage to fit your specific needs by selecting a coverage period from 30 days up to 6 months, then choose a deductible and determine if a standard or copay option is best for you.

Details

Optional Benefits

We have optional riders that can be combined with your policy for an additional premium

Network Option

Cox HealthPlans is one of Missouri’s leading health insurance providers. As a CoxHealth affiliate, our goal is to help you take better care of yourself, your family and your health. We have one of the region’s largest provider networks, encompassing dozens of hospitals and clinics, staffed by outstanding physicians and specialists. Our network options include a broad PPO network and a narrow EPO network.

Secure Your Coverage

Single Pay – If you know how long you’ll need coverage and you have the ability to pay up front, the single payment option is your best solution. We accept single payments by check or cash.

Monthly Pay – You can choose the monthly payment option if you aren’t sure how long you’ll need temporary medical coverage, or want the flexibility of spreading out your payments. We accept monthly payments by credit card, check, cash or bank draft.

Policy Term and Non-Renewability

Upon timely payment of premiums, this policy will remain in effect until the length of your policy term ends, subject to the terms of your policy. The policy term will begin at 12:01 a.m. Central Time, and will generally end on the last day of the billing period in which we receive your notice of termination. This policy cannot be renewed beyond the policy term, but you may re-apply for additional terms.

Free-Look Period

If you are not satisfied, you may cancel within 10 days after you receive coverage. All premiums paid will be refunded, minus the non-refundable application fee. This policy will then be void from its start as if no contract had been issued.

Coverage Effective Date

If coverage is approved, coverage becomes effective at 12:01 a.m. on the requested effective date, or the first day of the month following the date we receive your completed enrollment form, non-refundable application fee, and initial premium.

This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not “minimum essential coverage.” If you don’t have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month.