flexterm insurance by Everest

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Temporary coverage to protect you during life’s transition periods

Temporary Health Insurance to Protect You During Life’s Transition Periods

Make the cost-effective choice with short-term medical insurance before your next major medical health insurance starts.

Plans start at $85 per month*

AM Best Company A+ Rating is assigned to insurance companies that have, in its opinion, a superior ability to meet their ongoing insurance obligations.

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5 stars

Selected as best alternative COBRA plan for short-term medical coverage while in between jobs.

When Should You Use Short-Term Health Insurance?

During a gap in insurance coverage, a short-term health insurance plan can provide you with basic medical care. These plans have low premiums and give fewer “essential health coverage” than full ACA health policies. Most of these plans are valid for up to a year, but you can cancel at any time without penalty.

Who Uses Temporary Health Insurance?

  • Individuals who missed the ACA exchange deadlines and must wait until the next enrollment period
  • Individuals who must wait before enrolling in another program
  • People in between jobs or who have been laid off
  • People seeking a less expensive COBRA option
  • Those in need of temporary protection:
    • Students in college or recent graduates
    • Young individuals who are no longer covered by their parent’s health insurance plan
    • Retirees who are awaiting Medicare eligibility
    • Coverage for dependents who are not covered by an employer plan

Short-Term Medical is not for everyone. It’s important to understand what’s not covered so you don’t get caught off guard if you’re 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 STM 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

Everest Insurance® provides Flex Term Health Insurance Plan, which is a temporary or short-term private health insurance policy that covers unanticipated accidents and illnesses.

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

Everest Short-Term Health Insurance is exclusively administered by Smart and Simple Insurance

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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