Short Term
Medical Insurance - Product Comparison Chart
TemporaryHealthCoverage.com prides itself on our ability
to offer customers a diverse selection of short term
medical insurance products to fit almost any situation.
Our product comparison chart allows you to best determine
what type of short term medical coverage product best
suits your current situation. If you have any
questions or concerns, you can call us Toll Free at
1-866-465-1540 to speak to a Customer Service Representative
Plan Design Comparison
Time Assurant / Assurant Health
Celtic Insurance
TIG Select
Standard Security Life Insurance
Co. of New York
Plans are available
in these states:
Quote/Apply
Maximum Coverage
Period (In months)
12 Months
6 Months
12 Months
36 Months
Minimum Coverage Period
(In Days)
30 Days
30 Days
30 Days
30 Days
Deductible Options
$250, $500, $1,000, $2,500
$250, $500, $1,000
$250, $500, $1,000, $2,500
$250, $500, $1,000. $2,500, $5,000
Co- Insurance Options
Option 1
100% coverage
N/A
N/A
N/A
Option 2
80% / 20%
80% / 20%
80% / 20%
80% / 20%
Option 3
50% / 50%
N/A
50% / 50%
50% / 50%
Out of Pocket - Maximum
$1,000 - $7,500
$1,250 - $2,000
$2,500 - $5,000
$1,250 - $7,500
Emergency Room Copay
$150 co-pay per emergency room
visit (available on 12 month plan only)
Not Available
Not Available
Not Available
Hospitalization Copay
$500 Co-Pay per inpatient hospital
stay (available on 12 month plan only)
Not Available
Not Available
Not Available
Policy Benefit Maximum
$1 Million or 2 Million
$2 Million
$2 Million
$2 Million
Family Premium Charge
Charge premium for every insured
Maximum charge for family is 5 people.
More than 3 children are free.
Charge premium for every insured
Maximum charge for family is 5 people.
More than 3 children are free.
Child Only Coverage
Yes - Minimum 15 days old
Yes - Minimum 6 months old
Yes - Minimum age 2
Yes - Minimum age 2
Pre Existing Condition
Limitation
Not covered – Look back 5
years
Not covered
Not covered – Look back 5
or 12 months depending on plan
Not covered – Look back 12
months
Dental Benefits
Available
None
Free discount card included
Free discount card included
Vision Benefits
None
None
Free discount card included
Free discount card included
Payment Options
Single or Monthly pay options
available: Check, VISA, Master card, Money orders
Discover
Single pay option only, 100%
of premium is required up front: Check, VISA, Master
card, Money orders Discover
Single or Monthly pay options
available: Check, bank draft, VISA, Master card,
Money orders Discover
Single or Monthly pay options
available: Check, bank draft, VISA, Master card,
Money orders Discover
Policy Re-writes
Unlimited re-writes allowed after
prior policy coverage ends.
Re-writes are allowed after 12 months
from the date your last Celtic short term policy
ends. Can not renew until 12 months has passed after
end of converge
Re-writes are allowed 48 hours after
your prior TIG policy ends
Re-writes are allowed 12 hours after
your prior Standard Security policy ends
Free Look Provision
money back guarantee if your not 100% satisfied
10 Days
10 Days
30 Days
10 Days
Enrollment/Application
Fee (One time fee in addition to premium
- non refundable)
$20.00
None
$11.00
$10.00
Administrative Fee (In addition to premium)
$10.00
None
$12.50 or $25.00 per month depending
on state
$12.50 per month, depending on
state
Available Discounts
Save $10 if you choose to accept
delivery of your policy via e-mail. Instead of having
a paper copy mailed to you.
None
None
None
Quote/Apply
Time Assurant / Assurant Health
Celtic Insurance
TIG Select
Standard Security Life Insurance
Co. of New York
Please
note: All submitted applications are required
to be complete. The applicant must meet the requirement
for acceptance laid out by the insurance company
and the full initial premium is received. Applications
that do not meet eligibility requirements will be
returned. Incomplete applications may be returned
and or re-dated by the insurance company.
Flexible Benefit Solutions - www.temporaryhealthcoverage.com
- Providing short-term/temporary health insurance, student health insurance,
trip cancellation and travel medical insurance across the US. Contact
Us Toll Free: 1-866-465-1540
