Moda Health short term medical gap insurance
Shop for plansYour short term medical insurance solution
Moda Health Plan, Inc.'s short term medical insurance offers essential protection against unexpected medical expenses from accidents or illnesses for residents of Alaska and Texas. While short term plans may not provide all the benefits of an ACA plan, they serve as crucial interim solutions while you explore more permanent insurance options.
Our plans include comprehensive gap insurance coverage, ensuring peace of mind during transitional periods.
Who benefits from short term insurance?
Whether you're between jobs, awaiting new benefits, or traveling without health insurance, short term health insurance coverage is your essential "just-in-case" protection. It safeguards you and your family against unforeseen medical events. If temporary insurance suits your needs, Moda Health offers choice and flexibility to help you find the right coverage.
Our plans are available in both Alaska and Texas.
The pros & cons of short term insurance
Short term insurance may not be for everyone. It's beneficial if you need temporary insurance and don't qualify for other options. However, it's important to understand its limitations before selecting a plan.
Advantages:
- Enroll at any time without a qualifying event or waiting for Open Enrollment
- Customize your coinsurance, deductible and optional pharmacy reimbursement coverage
- Choose a policy duration between 30 and 90 days
- Begin coverage as soon as the next day
Disadvantages:
- One enrollment opportunity within a 12-month period
- No coverage for pre-existing health conditions within the last 5 years
- Lacks essential health benefits
Flexible choices and options
If short term and gap insurance suits your situation, our adaptable plans are designed to meet your needs. With Moda Health, you have the flexibility to:
- Select your coinsurance, deductible and pharmacy reimbursement coverage
- Choose coverage lasting 30-90 days
- Enroll anytime without needing a life-changing event
Eligibility for short term insurance
You qualify for Moda Health's short term health insurance coverage if you and any family members applying for coverage:
- Are under age 65 for the policy duration. Dependents must be under age 26.
- Are not eligible or won't become eligible for Medicare benefits during the policy term
- Are not pregnant during the policy. If any family member is pregnant, apply for coverage post-pregnancy.
- Do not have coverage under another hospital or medical insurance plan (Alaska policies only)
For questions about payments, billing or our plan options, find answers here.
Eligibility requirements
About Moda Health
Since 1955, Moda Health has been offering members choice, coverage and compassion to help them feel their best. We are committed to supporting members across Alaska and Texas with their short term medical (or gap) insurance needs, backed by attentive customer service.