Short Term Health Insurance Plan

HealthInsuranceTonight.com
"…benefits tonight, tomorrow might be an expensive day."

Ideal Short-Term Medical Insurance solution for:

Recent college graduates that must come off their parent's policy
New job positions but no benefits usually for 30 to 90 days.
In-between jobs and no health insurance.
Working for a Temp. Agency with no benefits.

Please contact us with any questions:

Office: 1-800-511-7534 Fax: 1-866-568-4461
E-mail: service@healthinsurancetonight.com

Short Term Health Insurance

Instant Approval! Benefits can start at 12:01AM

Simple 3 step process.

1. Choose your Sate and enter Date of Birth, Zip code, etc. Can purchase more than 30 days of coverage up front, if needed.

2. Choose benefits, if a monthly payment option is chosen you will have a choice of either a 6 month or 12 month benefit period. If you choose an exact number of days option, usually up to 180 days, your premium will be shown on the quote page. The "Brown Button" on the progress meter will take you back to the start, if needed.

3. Apply on-line if benefits are needed immediately or even in 60 days.

At this time coverage is not available in the states of NY, NJ, MA, VT and WA.

US MAp

COMPREHENSIVE core benefits that apply to most plans in most states. Please see the "Certificate of Insurance" at your state link for detailed information about these and various plan limitations and exclusions. At this time coverage is not available in the states of NY, NJ, MA, VT and WA.

Freedom to choose your own doctors and hospitals, nation-wide coverage.
Emergency room, outpatient and inpatient care.
Ambulance, prescription drugs, surgery, doctor’s office visits, etc.

FIRST OF ALL, there are many very good Short-Term Medical Plans on the market today. We seek to offer the very best coverage we can find and we have eliminated companies and or plans:

With less than the best financial strength.
Plans that are overly priced.
Less than good solid benefits.
Poor to no on-line marketing experience.
Plans with too many restrictions and limitations.
Poor customer service and or slow claims payments.

GENERAL PLAN FEATURES that apply to most plans in most states. Please see the "Certificate of Insurance" at your state link for detailed information about these and other plan limitations and exclusions.

Children under age 19 or under age 25 if a full time student qualify. Child only coverage is available for ages 2 through 18.
Ten day Free Look Period, full refund of premium if no claims are filed and the "Certificate of Insurance" is returned within 10 days.
“Precertification” phone call to the insurance company is required at least 48 hours prior to a planned surgery or hospital stay, etc.
Pay attention to excluded coverage like dental work.
Some procedures have special limitations like knee surgery.
Pre-existing conditions are not covered.
Must answer no to 8 on-line underwriting questions to be considered eligible.
Coverage starts at 12:01 AM on the day following your on-line application is received or up to 60 days in the future, subject to approval and payment of first premium.
Two payment options are available, either monthly or you may choose the exact number of days you need coverage, up to 180 days. You will receive a SPECIAL REDUCED RATE for the Single Payment Option.
There are a range of deductibles available, the higher the deductible the lower your monthly premium.
Your Short-Term Medical Plan depending on your choices will either pay 80% or 50% co-insurance of covered expenses.
Choosing a lower amount of 50% co-insurance instead of 80% will require less premium because it is less coverage.

Please click on your state of residence for additional plan information for your state and a FREE individual Short Term Medical Plan quote. After entering your zip code, dates of birth and coverage benefits desired, a monthly premium will be generated and an on-line application. You also have the option of paying a lump sum for the period of time you desire coverage and receive a substantial discount.