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Short Term Major Medical

Our Short Term Medical Plan Short Term Medical gives you the flexibility to get the coverage you want for the time that best suits you. Get access to benefits and options that provide protection for the costs associated with everyday health care and the unexpected, such as:

  • Doctor visits and preventive care.
  • Emergency room and hospital stays.
  • Pharmacy benefits and discount options.
  • Nationwide network of providers

Together with network providers like Aetna® our Short Term Medical plans can save you more on your health care; and help you keep your wallet, coverage, and wellness going strong.

Short Term Medical Highlights A quick breakdown of some key features and benefits of our Short Term Medical plans.

Office visits for everyone Office visit benefits come with all our plans, and copay options are available. Next day effective dates Get the benefits you need for injuries and preventive care right away. Deductible waived on Urgent Care visits You pay a $50 access fee, and the rest applies to coinsurance Prescription drug options Keep your costs low with a pharmacy discount card on all plans, or a $10 copay on generics with our Copay Enhanced PPO plan Flexible coverage periods and solutions Choose the coverage duration that best suits your needs, whether it’s 30 days, 12 months,1 or even up to 3 years!

Extend your coverage. Gain flexibility and save yourself time by purchasing multiple plans with one application or set up a renewable plan option. These solutions can let you extend your coverage for up to 3 full years! Renewable Plan Option Eligible expenses for pre-existing conditions are covered after the first 12 months of coverage. Deductible/coinsurance reset with each new policy term. Coverage Period Maximum does not reset. Guaranteed rate option available, letting you plan ahead, knowing your rates won’t change. Get up to 3 full years of coverage! Consecutive Plans Eligible expenses for pre-existing conditions are covered after the first 12 months of coverage. Deductible/coinsurance reset with each new policy term. Coverage Period Maximum resets with each new policy term. Rates are determined at the time of purchase and may vary between policies. Purchase multiple plans with just one application and get up to 2 years of coverage!

Get coverage, guaranteed Our Guaranteed Issue PPO plan is a great alternative to our Essentials, Enhanced, or Copay Enhanced plans. You are guaranteed eligibility, and there is no health questionnaire to fill out. Pick the option that works best for you, and you’re all set. With many of the same benefits as our other PPO plan options, you can’t go wrong.

See Short Term Medical Plans

What about out-of-pocket costs? We have smart solutions for those, too.

Short Term Medical coverage helps you get the health care coverage you need when you need it. But, like other insurance plans, there are always out-of-pocket costs. Out-of-pocket costs include expenses you are responsible for, like deductibles and coinsurance. Add one of our Supplemental Coverage plans to get out-of-pocket protection from costs not covered by your Short Term Medical plan. They’re affordable options that help you keep more money in your pocket.

Choosing the accident, critical illness, and access supplements will reduce or eliminate your deductible and coinsurance in most cases.

Take a look at this bundle and compare it to other plans. You will see that by purchasing your coverage this way, you will get more for less.

If you are comfortable building this package, you can easily do this by:

  1. Choose a short-term plan. ($10,000 deductible)
  2. Choose a critical illness plan. ($10,000 benefit)
  3. Choose an accident plan. ($10,000 benefit)
  4. Choose the Access limited indemnity plan.

For more detailed information on these options, a professional advisor is standing by to help you answer questions.

See Critical Illness Coverage 

See Accident Coverage

The average cost of a fractured hip is $12,923. Now, let’s assume you chose to pair our Plan Enhancer supplemental coverage with a $5,000 benefit level with our $5,000 deductible Short Term Medical plan. Short Term Medical coverage helps you get the health care coverage you need when you need it. But, like other insurance plans, there are always out-of-pocket costs. Out-of-pocket costs include expenses you are responsible for, like deductibles and coinsurance. Add one of our Supplemental Coverage plans to get out-of-pocket protection from costs not covered by any Medical plan. They’re affordable options that help you keep more money in your pocket.

Example:  Treatment Cost $12,900. Your Short Term Medical Deductible is $5000 with the Plan Enhancer you would only pay $250 of your medical deductible.

In this example, Plan Enhancer pays almost 100% of your medical plan’s deductible.

Getting additional coverage from a fixed benefit or limited indemnity plan can also help put money in your pocket from unexpected medical bills, doctor visits, emergency room treatment, and others. If you are considering getting a short-term medical plan, we would recommend you look at a high deductible option ($10,000) and add the critical illness and accident with a $10,000 benefit along with the fixed benefit/limited medical access plan. By combining coverage this way, you significantly reduce your out-of-pocket exposure, get more coverage, have the ability to see any doctor or hospital nationwide, and save money on monthly premiums compared to other plans on the market.

See Fixed Benefit Plans

Call us for more information or to book an appointment with a professional advisor.

Health Sharing

OneShare Health exists as a witness to the love and faithfulness of God as He provides for the medical needs of His children. Membership in OneShare Health is open to everyone who agrees with our core biblical principles relating to life, health, and caring for others, as evidenced in our shared Statement of Beliefs. Through their Monthly Contributions, Members are sharing one another’s Eligible medical bills and demonstrating the love of God to the entire Community. This sharing also demonstrates that the Community can come together in mutual love and respect.

Health Share Plans – Call For More Information

Dental and Vision

Get coverage to help pay for dental checkups and treatments. Dental coverage gives you coverage for Preventative, Basic, and Major services with no waiting period helping you catch small problems before they become big expenses. Our dental plans include Coverage for applicants from birth through age 94. Set benefits that pay for preventive care, basic and major services — available for you, your spouse, and any dependent children. No waiting period. Your benefits are available on your plan’s effective date.

Preventative – exams, cleanings, etc. Basic services – fillings, simple extractions, etc. Major services – oral surgery, dentures, root canals, etc. Research shows that good dental health is essential to your overall health. Protecting your smile starts with regular visits to the dentist and a good dental plan. Easily add Dental coverage to any medical plan.

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Life Insurance

From family protection and final expenses to wealth transfer.

Through ManhattanLife, we offer a variety of simplified issue term life and whole life insurance products to help you and your family best meet your objectives. Our term life insurance products are available for face amounts up to and including $250,000 and on a fully underwritten basis for higher amounts of coverage. Our whole life insurance coverage is available for face amounts up to $100,000 and up to $3 million on a fully underwritten basis.

Term Life Insurance

Whether your need is family protection or mortgage protection, term life insurance can provide coverage for your entire family, including children, all in the same policy. We can tailor it to fit the different phases of life. Viva Life Family provides full family coverage at a reasonable price.

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Call us for more information or to book an appointment with a professional advisor.

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