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Short-Term Medical Insurance
Everest’s Flex Term Health Insurance includes four coinsurance options, including 0% coinsurance, five deductible choices, and four coverage maximum options, with limits up to $1.5 million.
Customer Service
855-826-0030
Availability is based on your state of residence. Pricing is based on age.
Understanding Short-Term Health Insurance
For self-employed individuals or those between employer health plans, a Term Medical Plan offers essential medical coverage during gaps in insurance.
While premiums for these plans are affordable, they offer fewer “essential health benefits” compared to comprehensive ACA health plans. These plans are flexible and can be used for 1 to 3 months, with the option to cancel at any time without penalties.
After you request a quote, you’ll see the available health insurance options based on your state of residence.
Flex Term Health Insurance Plan Options
- 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
Availability is based on your state of residence. Pricing is based on age.
Flex Term Health Insurance Highlights
- Plans available up to 3 months
- 5 minute simple applaication process
- Flexibility to choose your own physician and hospitals
- Next Day Coverage
Summary of Coverages
- Wellness
- Inpatient/Outpatient Surgery
- Hospital Benefits
- Emergency Room Care
- Outpatient Services
- X-Ray and Laboratory
- Transplant Benefits
- Urgent Care
- Sickness
About The Carrier
Everest Re Group Ltd. is a holding company that provides reinsurance and insurance services. The U.S. Reinsurance segment writes property and liability reinsurance as well as specialist lines of business such as marine, aviation, surety, and accident and health through reinsurance brokers as well as directly with ceding firms predominantly in the United States.
Claims and Billing are managed by insuranceTPA, a health plan administrator.
Everest’s Flex Term Short-Term Health is exclusively administered by insuranceTPA.
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.