Limited Duration Health Insurance Plans

Our limited duration plans, Complete, Complete Plus and Short Term, provide affordable coverage designed to cover you for the length of time you need it. Compare the key benefits of each plan below.

Complete and Complete Plus Plans

Comprehensive coverage that provides the choice between single-term (up to 12 months) or renewable-term (up to 36 months) plans

Provide predictable copays for primary care doctors with some plan options also featuring copays for specialists

Feature affordable monthly premiums

Include prescription drug coverage

Short Term Plans

Basic coverage for 30 to 88 days to protect against catastrophic medical expenses

Protect against the high costs of unexpected illnesses, diseases or accidents with $1 million in benefits per covered member

Feature one simple payment to cover the entire term of the policy

Can be effective almost immediately

Benefits at a Glance

Short Term Complete Complete Plus
Duration 30-88
Days
Single-term or
renewable-term*
Single-term or
renewable-term*
Deductible $500 or
$1,000
$1,000, $2,500,
$5,000, $7,500
$500, $1,000,
$2,500, $5,000
Coinsurance 20% 20% or 30% 20%
Coinsurance Maximum $2,000 $3,500 $2,500
Maximum Policy Benefit $1,000,000 Per Person $1,000,000 Per Person $1,000 000 Per Person
Total Prescription Drug Cap Not Covered $1,000 per member per policy term $1,000 per member per policy term
Pre-Existing Conditions Not Covered Only covered for
renewable-term plans after
the first policy term ends
Only covered for
renewable-term plans after
the first policy term ends
Maternity Not covered Not covered Not covered
Payment Method One-time lump payment Monthly bank draft
or autopay
Monthly bank draft
or autopay
Plan Premium Comparison $ $$ $$$
You Pay
Primary Care Physician Deductible/Coinsurance $30 copay $20 copay
Specialist Copays Deductible/Coinsurance Deductible/Coinsurance Copays
Prescription Drugs
(Benefits cease after Total Prescription Drug Cap is reached)
Not covered Deductible/Coinsurance $20 preferred generic copay,
$50 non-preferred generic
copay, $75 brand copay
Children's Preventive Care 0% 0% 0%
Essential Wellness Care 100% 0% 0%
Emergency Room Deductible/Coinsurance Deductible/Coinsurance $250 Copay
Inpatient & Outpatient
(Hospital and Surgical)**
Deductible/Coinsurance Deductible/Coinsurance Deductible/Coinsurance
Mental Health & Substance Abuse Not covered $30 Copay for 3 covered visits $20 Copay for 3 covered visits
Shop Short Term Plans Shop Complete Plans Shop Complete Plus Plans
*Single-term plans provide health insurance coverage for less than 12 months. These plans expire one minute before midnight on the last day of the twelfth month of the plan. Once the single-term plan expires, you do not have the option to renew the plan again. Renewable-term plans provide health insurance coverage that automatically renews each year and provides you a total length of coverage lasting up to 36 months.
**Excludes Mental Health and Substance Abuse

Limited Duration Insurance Plans Can Help When You Are:

  • No longer covered by a parent’s plan
  • Waiting for coverage to start at a new job
  • Waiting to become eligible for Medicare
  • Waiting for the next open enrollment period
  • In-between jobs
  • A temporary or seasonal employee
  • A recent graduate
  • Temporarily without health insurance for any reason

Differences between Limited Duration Plans and ACA (Affordable Care Act) Plans

Limited Duration Plans
(not ACA-compliant)
ACA Coverage
Can I buy it year-round at any time? Yes No
Can I be declined because of pre-existing conditions? Yes No
Does it cover maternity care? No Yes
Does it cover prescription drugs? Varies by plan Yes
Can I use a government subsidy to purchase it? No Yes
Does the plan automatically renew every year? Varies by plan Yes

This chart only provides general information about plan types. The specific details of any particular plan may vary. 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.