Short-Term Plans

Short-term plans are perfect if you just need coverage for a few weeks or months, but you can only apply for one short-term plan per calendar year. They work best for:

  • People who do seasonal or temporary work
  • People who need coverage quickly and for a short time
  • Recent college graduates
  • New employees waiting for their new insurance to start

And short-term plans are flexible:

  • Tell us how long you need coverage, from 1 to 3 months.
  • Tell us when your coverage should start.
  • Choose the deductible and out-of-pocket maximum that works for you.

These plans don't meet the Affordable Care Act's minimum essential coverage requirements, so you might still have to pay a tax penalty for not having insurance coverage.

Enroll by Phone

1-877-686-1168 (TTY 711)

Enroll In-Person

Visit us at:
Health Alliance Connections
3301 Fields South Drive
#105
Champaign IL 61822

Enroll by Mail

Download and fill out these forms:

Documents

  Short Term 1000 Short Term 2000 Short Term 5000
  Summary of Benefits Summary of Benefits Summary of Benefits
  Outline of Coverage Outline of Coverage Outline of Coverage

Monthly Premium Rates

  Short Term 1000 Short Term 2000 Short Term 5000
0-18 years old $53 $45 $33
19-24 years old $70 $60 $44
25-29 years old $82 $70 $51
30-34 years old $90 $77 $56
35-39 years old $100 $86 $62
40-44 years old $119 $102 $74
45-49 years old $142 $122 $89
50-54 years old $180 $153 $112
55-59 years old $220 $189 $138
60-64 years old $269 $231 $168

Costs

  $ = Copay         % = Coinsurance  

  Short Term 1000 Short Term 2000 Short Term 5000
  Individual
Deductible $1,000 in-network
$2,000 out-of-network
$2,000 in-network
$4,000 out-of-network
$5,000 in-network
$10,000 out-of-network
Out-of-Pocket Maximum $2,000 in-network
$4,000 out-of-network
$3,000 in-network
$6,000 out-of-network
$6,000 in-network
$12,000 out-of-network
  Family
Deductible $2,000 in-network
$4,000 out-of-network
$4,000 in-network
$8,000 out-of-network
$10,000 in-network
$20,000 out-of-network
Out-of-Pocket Maximum $4,000 in-network
$8,000 out-of-network
$6,000 in-network
$12,000 out-of-network
$12,000 in-network
$24,000 out-of-network
  Maximum We'll Pay Per Individual
Overall $2,000,000 combined $2,000,000 combined $2,000,000 combined
Physical Therapy $1,500 combined $1,500 combined $1,500 combined
Durable Medical Equipment $500 combined $500 combined $500 combined
Protheses $10,000 combined $10,000 combined $10,000 combined

Medical Benefits

  Short Term 1000 Short Term 2000 Short Term 5000
PCP Visit 20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network
Specialist Visit 20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network
Preventive Services
Immunizations, adult and child annual physical exams, mammograms, PAP smears, cancer screenings, and more.
20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network
Lab 20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network
X-Ray 20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network
Outpatient Surgery 20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network

Prescription Drugs

  Short Term 1000 Short Term 2000 Short Term 5000
Tier 1 Prescription Drugs
Does not apply to the out-of-pocket maximum or deductible.
$20 in-network
50% out-of-network
$20 in-network
50% out-of-network
$20 in-network
50% out-of-network

Emergency and Hospital Care

  Short Term 1000 Short Term 2000 Short Term 5000
Ambulance
Medical deductible does not apply.
$100 in-network
$100 out-of-network
$100 in-network
$100 out-of-network
$100 in-network
$100 out-of-network
Emergency Department Visits
Medical deductible does not apply.
$175 in-network
$175 out-of-network
$175 in-network
$175 out-of-network
$175 in-network
$175 out-of-network
Inpatient Hospital 20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network
Outpatient Physical Therapy 20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network
Durable Medical Equipment and Protheses
Does not apply to the out-of-pocket maximum.
20% in-network
50% out-of-network
20% in-network
50% out-of-network
20% in-network
50% out-of-network

You must also pay any charges in excess of the maximum allowable charge. Amounts over the maximum allowable charge do not apply to your out-of-pocket-maximum.

Short-Term Plans

We don't currently offer short-term plans in your area.