flexterm insurance by Everest

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Temporary coverage to protect you during life’s transition periods

A Temporary Health Insurance Plan Is Easy To Obtain And Provides Coverage You Can Afford.

Don’t wait! Make an affordable choice and protect your health with Flex Term short-term medical insurance.

Plans start at $85 per month*

Top-Rated: Flex Term Health

AM Best Company A+ Rating is assigned to insurance companies that AM Best, an independent insurance rating agency, deems worthy of this distinction on the basis of demonstrated strength in five areas: claims-paying ability, operating performance, capitalization, underwriting profitability and financial flexibility.

What Is Short-Term Health Insurance Used For?

The Flex Term health insurance plan can help you with basic medical coverage during a gap in insurance coverage.

Premiums for these plans are quite affordable, though they provide fewer “essential health benefits” than comprehensive ACA health plans. Most of these plans last up to 12 months, but you may cancel at any time without penalties.

Who Uses Temporary Health Insurance?

  • Individuals who missed the deadlines for the ACA exchanges and need to wait until the next enrollment period
  • Individuals who have a waiting period before enrollment in another program
  • People who need health insurance in between jobs or have been laid off
  • People looking for a less expensive COBRA health insurance alternative
  • Those needing temporary coverage:
    • College students or recent graduates
    • Young adults coming off their parent’s health benefit plan
    • Retirees waiting for Medicare eligibility
    • Coverage for dependents not covered under an employer plan

Short-Term Medical is not for everyone. It’s important to know what’s not covered, so you can avoid any surprises if you are not the right customer for this product, including but not limited to:

  • Pre-existing conditions are not covered
  • Dental and eye care are not covered
  • Prescriptions (unless prescribed during a covered hospitalization) are not covered
  • Like most health insurance plans, services are subject to Usual Customary and Reasonable (UCR) review to determine the Maximum Allowed Expense.

We want your plan to work for you. That’s why it’s also important to know that Everest Short-Term Medical Insurance is not considered “minimal essential coverage” under the federal Affordable Care Act and that you may be subject to a tax penalty.

happy lady wearing a sun hat in a field of sunflowers - she's health because she's invested in FlexTerm from Everest

The Everest Insurance® companies offers Flex Term Health Insurance Plan temporary or short-term private health insurance to cover unforeseen accidents and illnesses.

Flex Term health insurance logo

Flex Term Health Insurance Plan Options2

  • Deductible options ($1,000, $2,500, $5,000, $7,500, or $10,000)
  • Co-pay : $50
  • Co-insurance options (50/50, 70/30, 80/20, or 100/0)
  • Coverage period maximum ($250,000, $750,000, $1,000,000, or $1,500,000)
  • Length of coverage options
  • Eligibility 18-64 years old (child only coverage for ages 2-25)
  • Monthly or pre-pay payment options
  • Free-look period
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Everest’s Flex Term Short-Term Health Insurance is exclusively administered by Smart and Simple Insurance

EVEREST STM IS A SHORT-TERM MEDICAL INSURANCE PLAN THAT IS NOT INTENDED TO AND DOES NOT QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS THE INSURED AND ANY DEPENDENTS PURCHASE A POLICY THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, INSUREDS AND DEPENDENTS MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE INSUREDS OR DEPENDENTS TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE A HEALTH BENEFIT POLICY THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD.

1 FlexTerm Health Insurance Plan is the brand name for products underwritten by Everest Reinsurance Company

2 Availability, coverage terms and plan features and options may vary by state

* Average price based on 32 year old male