Coverage options

Short-term medical

Temporary medical coverage that may help with the cost of an unexpected illness or injury for a limited time, such as between jobs or while waiting for other coverage to start.

Watch for

• Terms are short and may not be renewable
• May exclude pre-existing conditions
• Not required to cover essential health benefits such as maternity, mental health or prescriptions
• May have dollar limits and no out-of-pocket maximum
• You answer health questions and can be turned down
• Not minimum essential coverage. If it ends, you may have to wait for open enrollment to get other coverage

Ask your agent

• Start date, end date and any waiting period
• Deductible, coinsurance and out-of-pocket maximum
• Per-condition and yearly limits
• Which doctors and hospitals are in the network

This coverage is not required to comply with certain federal market requirements for health insurance. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period.

Get a quote

Hospital and fixed indemnity

Pays you set cash amounts when a covered event happens, such as a hospital stay or an ER visit. You can use the money as you choose, for example toward a deductible or household bills.

Watch for

• Pays a fixed schedule, not your actual bill
• Amounts can be far less than the real cost of care
• Does not replace major medical insurance
• May have waiting periods and exclusions

Ask your agent

• The benefit schedule: how much is paid for each type of event
• Waiting periods and exclusions
• How and when claims are paid

THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.

Get a quote

Dental and vision

Help with checkups, cleanings, exams, glasses and contacts, and with the cost of dental work.

Watch for

• Annual maximums and waiting periods for major work
• Benefits can depend on using network providers
• Some products are insurance and some are discount memberships

Ask your agent

• Is this insurance or a discount plan?
• The yearly maximum and any waiting periods
• Whether your dentist or eye doctor is in the network

Get a dental quote

Telehealth

Phone or video visits with a clinician for minor, non-emergency concerns.

Watch for

• Usually a membership, not insurance
• Not for emergencies
• Does not pay for hospital or specialist care
• Availability and services vary by state and by plan

Ask your agent

• The monthly price and any per-visit fees
• Which services and hours are included
• Whether prescriptions can be written

Get a quote