2019 Short-Term Plans

At times when you need to find temporary healthcare coverage quickly, short-term plans are the perfect solution for you.

Streamlined to give you solid coverage and smaller payments, short-term plans cover many of the same preventive services as long-term plans, at a lower cost without all the extras.

With our short-term plans

  • You choose your coverage length from 1 to 6 months.*
  • Your coverage can start as early as the next day.
  • You choose the deductible and out-of-pocket maximum combination that fits your needs.
  • You can see any provider, but you’ll pay less when you see in-network providers.
  • Coverage includes access to our 24/7 Anytime Nurse Line to help answer health questions.

After your short-term coverage ends, you must wait 60 days before enrolling in another short-term plan with Health Alliance. The maximum length of this policy is 180 days.

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NOTICE: THE SHORT-TERM, LIMITED-DURATION INSURANCE BENEFITS UNDER THIS COVERAGE DO NOT MEET ALL FEDERAL REQUIREMENTS TO QUALIFY AS “MINIMUM ESSENTIAL COVERAGE” FOR HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT. THIS PLAN OF COVERAGE DOES NOT INCLUDE ALL ESSENTIAL HEALTH BENEFITS AS REQUIRED BY THE AFFORDABLE CARE ACT. PREEXISTING CONDITIONS ARE NOT COVERED UNDER THIS PLAN OF COVERAGE. BE SURE TO CHECK YOUR POLICY CAREFULLY TO MAKE SURE YOU UNDERSTAND WHAT THE POLICY DOES AND DOES NOT COVER. IF THIS COVERAGE EXPIRES OF YOU LOSE ELIGIBILITY FOR THIS COVERAGE, YOU MIGHT HAVE TO WAIT UNTIL THE NEXT OPEN ENROLLMENT PERIOD TO GET OTHER HEALTH INSURANCE COVERAGE. YOU MAY BE ABLE TO GET LONGER TERM INSURANCE THAT QUALIFIES AS “MINIMUM ESSENTIAL COVERAGE” FOR HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT NOW AND TO PAY FOR IT AT WWW.HEALTHCARE.GOV.

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.

SHORT-TERM PLANS

Compare Short Term Plans

PPO Short Term Plans

A PPO (Preferred Provider Organization) plan gives you the freedom to go out-of-network, but you will pay more than if you visit a doctor in your plan’s network.

You won't have to pick a PCP or get referrals to see specialists.

  PPO Short Term 1000 PPO Short Term 2000 PPO Short Term 5000 PPO Short Term 7500
  Summary of Benefits Summary of Benefits Summary of Benefits Summary of Benefits
  Outline of Coverage Outline of Coverage Outline of Coverage Outline of Coverage
  $49 $44 $37 $34
  $75 $67 $56 $51
  $81 $73 $60 $55
  $95 $85 $71 $65
  $109 $98 $81 $75
  $132 $119 $98 $90
  $160 $144 $119 $109
  $207 $186 $154 $142
  $260 $234 $194 $178
  $320 $288 $238 $219
  Enroll Enroll Enroll Enroll
  PPO Short Term 1000 PPO Short Term 2000 PPO Short Term 5000 PPO Short Term 7500
Plan Year 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
$7,500 in-network
$15,000 out-of-network
Plan Year Out-of-Pocket Maximum $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
$15,000 in-network
$30,000 out-of-network

 

POS Short Term Plans

A POS (Point of Service) plan gives you personal care and the freedom to go out-of-network, but you will still pay more.

And they give you the comfort of having an in-network PCP to oversee all your care and refer you to see specialists, much like an HMO.

  POS Short Term 1000 POS Short Term 2000 POS Short Term 5000 POS Short Term 7500
  Summary of Benefits Summary of Benefits Summary of Benefits Summary of Benefits
  Outline of Coverage Outline of Coverage Outline of Coverage Outline of Coverage
  $47 $42 $35 $32
  $72 $64 $53 $49
  $77 $70 $57 $53
  $91 $81 $68 $62
  $104 $94 $77 $72
  $126 $114 $94 $86
  $153 $138 $114 $104
  $198 $178 $147 $136
  $248 $223 $185 $170
  $306 $275 $227 $209
  Enroll Enroll Enroll Enroll
  POS Short Term 1000 POS Short Term 2000 POS Short Term 5000 POS Short Term 7500
Plan Year 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
$7,500 in-network
$15,000 out-of-network
Plan Year Out-of-Pocket Maximum $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
$15,000 in-network
$30,000 out-of-network

 

Benefits for all Short Term Plans

 

SHORT-TERM-PLANS

Enroll Now

We’ll guide you through our simple Short-Term Application process. You’ll be done in a few quick steps.


Start Enrollment

Enroll by Phone

1-877-686-1168 (TTY 711)

Enroll In-Person

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

Enroll by Mail

Download and fill out the Short-Term Application

Paying your premium is easy. Register or log in to Your Health Alliance to pay online.

Short-Term Plans

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