Moda Health short-term medical
Moda Health’s short-term medical plans offer flexible, temporary insurance solutions for clients who are between health plans but still need protection from unexpected medical expenses. These plans provide essential coverage for accidents and illnesses; ideal for individuals needing short-term support while securing longer-term coverage.
Who is short-term medical insurance for?
You can offer short-term medical plans to healthy individuals who are:
- Between jobs or waiting for employer coverage to start
- Recently graduated or aging out of a parent’s plan
- Traveling without other coverage
- Experiencing a temporary gap in coverage for any reason
Short-term medical plans bridge the gap while helping clients avoid high out-of-pocket costs from unforeseen medical events.
Flexible plan design
Choice and customization for your clients
Moda’s short-term medical plans offer flexibility across key costs and coverage variables:
- Policy duration: Choose the length of coverage
- Deductibles: Multiple deductible options to fit different risk tolerances
- Co-insurance: Adjustable levels to balance premium cost and coverage
- Optional pharmacy reimbursement: Available for select plans
These plans are designed to be simple to quote and easy to enroll
Fast enrollment and support
Clients can apply year-round, with quick approval and coverage as soon as the next day. As their broker, you’ll have access to the tools and services you need to guide them through plan selection and enrollment.
Producer tip
Short-term plans are not ACA-compliant and do not cover pre-existing conditions, most preventive services or essential health benefits. They’re best suited for healthy individuals who need gap coverage and understand the limitations.
Want to learn more?
Your Moda Health sales team is here to help you compare options, generate quotes and find the right fit for each of your clients.