SHORT TERM POLICIES
An Insurance Alternative To The Marketplace ACA Health Insurance Plans
Has your success priced you out of being subsidy eligible?
Does your spouse have Group Insurance and it’s just too expensive to add you?
Retiring before Medicare and need coverage to bridge the Gap?
Need More "Catastrophic" coverage to protect your bank account from the “What If’s"?
"Short Term Plans" may be an effective option for you. *NEW* Plans can last just shy of Three Years in North Carolina. And NO individual mandate penalty!
Does your spouse have Group Insurance and it’s just too expensive to add you?
Retiring before Medicare and need coverage to bridge the Gap?
Need More "Catastrophic" coverage to protect your bank account from the “What If’s"?
"Short Term Plans" may be an effective option for you. *NEW* Plans can last just shy of Three Years in North Carolina. And NO individual mandate penalty!
These plans stand outside the regulations created for “ Fully Insured Plans “ under the Affordable Care Act. As such, they will not cover Pre-existing conditions (those conditions treated, diagnosed or consultation in the last 12 months), are medically underwritten with health questions and you may be denied coverage.
Copays for doctors and prescriptions may not be covered. HOWEVER–if you qualify–these plans MAY be an effective alternative to ACA Plans. Please complete the confidential fact-finder to get started.
Copays for doctors and prescriptions may not be covered. HOWEVER–if you qualify–these plans MAY be an effective alternative to ACA Plans. Please complete the confidential fact-finder to get started.
New Plans Available Now!
From United HealthCare/ Golden Rule
Regular Short Term: Provides Coverage for up to 360 Days
Generation 6 offers enhanced coverage including Urgent care copay on all plans, preventative and doctors copays on selected plans.
Generation 5 offers annual payment option with 25% premium discount.
Shop Online for Short Term Coverage!
UHC Short Term Medical Brochure
| uhc_short_term_medical.pdf |
UHC Short Term Medical Plus Brochure
| uhc_short_term_medical_plus.pdf |
Tri-Term Medical Plans:
Continuous coverage for one day shy of Three Years. After answering health questions and being accepted, your plan will be renewed annually without new underwriting or health questions. This can be an effective option. Generally 70% less than an ACA plan.
Golden Rule Short Term TriTerm Brochure
| golden_rule_short_term_triterm-medical-plans.pdf |
Contact Dave Trout to Get Started
As your agents, we are committed to providing you accurate and complete information to make an informed decision. Your health, well being and access to medical care is a top priority. Remember, insurance is protection from the unexpected costs of medical expenses. Working together we can determine what solution is right for you.
GET A QUOTE, BUY ONLINE
National General – An ACA alternative.
- Coverage for Sickness and Injury starts day one
- $50 copay for Urgent care (prior to deductible)
- National General has partnered with Aetna for their doctors and hospital networks
- Competitive premiums, monthly payments
Click to Download National General Short Term Brochure
| nat_gen_____ngah-stmassociationbro-102318.pdf |
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“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”