Short-Term Health Insurance When Major Medical Is Too Expensive
Short-term health insurance can be a practical, affordable option when major medical coverage is too costly or doesn’t fit your current situation.
What Is Short-Term Health Insurance Used For?
FlexTerm short-term medical provides temporary health insurance for individuals and families who need coverage now — without long-term contracts, long approval timelines, or unpredictable premium increases.
Why Choose Flex Term?
Many people today are paying more for major medical coverage than they can justify, or relying on plans tied to changing rules, deadlines, or subsidies.
FlexTerm short-term health insurance is designed for times of transition — offering a lower-cost, flexible option while you decide what comes next.
Coverage can start as soon as tomorrow and you can cancel anytime without penalties.
Who Short-Term Health Insurance Is Best For?
- 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
Save 30–60% compared major medical plans • No waiting period
Coverage options from 30 days to 12 months 2 • Coverage may start the next day
As Low As $85/month
AL, AZ, AR, FL, GA, IL, IN, KY, LA, MS, MO, NE, NV, NC, OH, OK, OR, SC, SD, TN, TX, VA, WV, WI, and WY
Talk to Someone Who Knows
Why Work with Greg?
I’ve been in the insurance business for over 38 years, helping individuals and families find coverage that fits their situation — not what’s most expensive or complicated.
I’m available to answer questions, review options, or help you decide whether FlexTerm is right for you.
Contact Greg Hellmich
📞 815-341-4030
✉️ [email protected]
📅 Schedule a Call
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 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
Office Visit Copays Are $50
How Does Flex Term Temporary Health Insurance Work?
FIRST
$50 copay for annual wellness exam
THEN
Your deductible is the amount you must pay before FlexTerm Health Insurance pays benefits.
Coinsurance Options:
- 50%/50% – You pay 50% of any additional covered charges up to the plan maximum
- 70%/30% – You pay 30% of any additional covered charges up to the plan maximum
- 80%/20% – You pay 20% of any additional covered charges up to the plan maximum
- 100% – We pay 100% of the covered charges up to the plan maximum
AFTER
FlexTerm Health pays all remaining covered charges, up to the Policy Period Maximum.
Flex Term Health Insurance Highlights
- Plans available up to 12 months*
- 5 minute simple applaication process
- Flexibility to choose your own physician and hospitals
- Next Day Coverage
* Some states may vary
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.
As Low As $85/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.
Short-Term Medical may not be 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.
The Everest Insurance® companies offers Flex Term Health Insurance Plan temporary or short-term private health insurance to cover unforeseen accidents and illnesses.
Everest’s Flex Term Short-Term Health Insurance is exclusively administered by Smart and Simple Insurance
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