Our Short-Term Plus Plans are designed to provide you with a comprehensive package of health care benefits. With this plan you have access to coverage that includes hospital, physician, and emergency services while also providing the unique benefits of an extensive nationwide network.
Coverage When You Need It
Our Short-Term Plus Plans give you the coverage you need with the quality you expect. Whether you need temporary gap coverage or are looking for a lengthier plan, Cox HealthPlans has you covered. With this product, you have the option to select a policy term from 30 days up to 6 months. Should you need to extend coverage past 6 months, you have the option of purchasing a reissue rider for up to an additional 6 months. Short-Term Plus Plans work much like regular health insurance in that you pay a monthly premium, have a pre-set deductible amount, and co-insurance charges. These plans have no restrictions for employment, open enrollment dates, or proof of a qualifying event that dictate your ability to obtain coverage.
Find a Provider
Having a great relationship with your doctor is important. All of our hospitals and clinics are staffed with outstanding physicians and specialists.
It's important to consider the number of prescriptions you and your family have when you are looking for a new health plan.
Is Short-Term Plus Right for You
Individuals & families looking for an affordable alternative to traditional insurance
Individuals & families who need coverage until the next Open Enrollment Period
Looking for COBRA alternative
Adult children losing coverage from a parent’s plan when they turn 26 years old
Recent graduates who do not have coverage under a parent’s plan
Employees without group health insurance coverage
Waiting for employer benefits to start
This is only a brief summary of benefits, which is not intended to be comprehensive. Your Individual PPO Short-Term Plus Medical Expense Policy is the governing document for benefits information.
We have optional riders that can be combined with your policy for an additional premium.
Extensive Nationwide Provider Network
As one of Missouri's leading health insurance providers, our goal is to help you take better care of yourself and your family. As an affiliate of CoxHealth, you'll have access to one of the region's largest local provider organizations. Our network encompasses dozens of hospitals and clinics, staffed by outstanding physicians and specialists.
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.
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.