Pivot Health Short-Term Plans

Pivot Health short-term plans offer a wide range of benefits as well as fast turn-around times for healthcare plan enrollment. In fact, you could be covered as quickly as within a day following submission of your application.

Flexible Coverage Options

Pivot has four levels of coverage to meet your short-term insurance needs and budget. This a unique approach among short term medical providers. They provide deductibles between $1,000 and $10,000 a much lower range than most short-term carriers are willing to do. Some of the plans offered by Pivot also charge a flat copay of $30-$60 for medical visits, rather than coinsurance like other carriers do. This makes the medical visits less expensive than other companies while providing you with the peace of mind knowing exactly what you will pay for the visit.

Pivot Health also includes some benefits not typically included with other short-term health insurance plans. They offer access to a telemedicine program which is available 24 hours a day 7 days a week, providing you with on demand access to medical professionals and helps reduce the new to find a local urgent care or doctor’s office. They also offer prescription drug discounts and potential discounts on eye exams, glasses, and contact lenses.

Short-term plans don’t meet the ACA’s minimum essential benefit provision. Also, there are limitations and restrictions that you should understand before enrolling in any healthcare plan. Be sure to carefully evaluate plan documentation and consider both benefits and limitations.

How Pivot Short-term Plans Work

Short-term plans offered by Pivot Health have a minimum coverage of 30 days while the maximum coverage depends on what’s allowed by the state in which you reside. You just need to choose your deductible and coinsurance amount – a percentage of shared covered medical expenses.

Once you meet your deductible, you’ll pay your coinsurance, and Pivot Health will pay 100 percent of the remaining covered expenses within the lifetime maximum benefit specified.

The first step you’ll need to take is to decide on the maximum lifetime benefit as that will narrow down available choices . Pivot Health short-term plans carry a maximum benefit of either $100,000, 250,000, $500,000, or $1 million depending on the plan you choose and the benefits desired.

From there, you can better evaluate deductibles, coinsurance, copays, and other options available to you.

Customized Coverage

Pivot offers a wide range of short-term healthcare plans and options.

Pivot Short Term Medical Plan – Economy

These Pivot Health short-term plans limit the maximum coverage period benefit to from $100000, $500000, or $1 Million depending on the plan you select. These temporary plans are offered with various benefits and options, depending on your state.

Members select a per-person deductible between $3000, $5000, $7500, or $10,000, depending on the plan they select. Eligible plans’ types of deductibles may be changed from “per cause” to “per term,” offering one amount to meet according to the plan’s coverage period and fewer out-of-pocket medical costs.

Your portion of coinsurance is either 30 percent or 20 percent with a maximum of $10,000. Primary Care and Speciality Doctor Office Visits (Including Urgent Care) are subject to deductible and co-insurance.

Pivot Short Term Medical Plan – Choice

These Pivot Health short-term plans limit the maximum coverage period benefit to from $100000, $250000, or $1 Million depending on the plan you select. These temporary plans are offered with various benefits and options, depending on your state.

Members select a per-person deductible between $1000, $2000, $5000 to $10,000, depending on the plan they select. Eligible plans’ types of deductibles may be changed from “per cause” to “per term,” offering one amount to meet according to the plan’s coverage period and fewer out-of-pocket medical costs.

Your portion of coinsurance is either 30 percent or 20 percent with a maximum of $10,000. Primary Care Visits have a $30 copay. Urgent Care and Speciality Doctor visits have a $60 copay.

Pivot Short Term Medical Plan – Standard

These Pivot Health short-term plans limit the maximum coverage period benefit of $250,000 or $500,000 depending on the plan you select. These temporary plans are offered with various benefits and options, depending on your state.

Members select a per-person deductible of $2000, $3000 or $5,000, depending on the plan they select. Eligible plans’ types of deductibles may be changed from “per cause” to “per term,” offering one amount to meet according to the plan’s coverage period and fewer out-of-pocket medical costs.

Your portion of coinsurance is 20 percent with a maximum of $5,000. Primary Care and Speciality Doctor Office Visits (Including Urgent Care) are subject to deductible and co-insurance.

Prescription drugs on this plan are discounted and after a $500 Rx Deductible provide a generic copay of $10, preferred brand copay of $50, and a non-preferred brand copay of $75. Speciality drugs are not covered under this plan.

Pivot Short Term Medical Plan – Deluxe

These Pivot Health short-term plans limit the maximum coverage period benefit of $500,000 or $1 Million depending on the plan you select. These temporary plans are offered with various benefits and options, depending on your state.

Members select a per-person deductible between $1000, $2500, or $5000, depending on the plan they select. Eligible plans’ types of deductibles may be changed from “per cause” to “per term,” offering one amount to meet according to the plan’s coverage period and fewer out-of-pocket medical costs.

Your portion of coinsurance is 20 percent with a maximum of $3,000. Primary Care Visits have a $30 copay. Urgent Care and Speciality Doctor visits have a $60 copay.

Prescription drugs on this plan are discounted. Generic drugs have a $10 copay. After a $500 Rx Deductible, preferred brands have a copay of $50, and a non-preferred brand copay of $75. Speciality drugs are not covered under this plan.

More Benefits

All Pivot Health short-term plans offer ground & air ambulance coverage (up to $1000 & $2500 respectively) along with benefits for home health care, athletic injuries, physical therapy, and mental illness. With a Pivot Health short-term health plan you can visit any physician or facility, there are no concerns about in or out of network coverage.

Consumers interested in Pivot Health short-term plans should refer to plan documentation for more detailed information.

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