Short term medical insurance: "Just-in-case" coverage
Short term medical insurance covers major medical expenses for residents in Alaska and Texas, resulting from an accident or illness. While it doesn't cover everything an ACA plan does, it can help you feel protected while you're figuring out a longer-term solution.
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Who is it for?
Are you between jobs, waiting for new benefits, or going on vacation without health insurance? Short term medical gives you that “just-in-case" coverage that protects you and your family from an unexpected accident or illness. If you need temporary insurance, our plans offer choice and flexibility to help you find coverage that works for you. Moda Health short term medical plans are available in Alaska and Texas.
What are the Pros & Cons?
Short term medical insurance is not for everyone. It can be useful if you need temporary insurance and are not eligible for other options. But there are limitations to consider. It's important to understand the details before choosing a plan.
Pros:
- Sign up at any time. No need for a qualifying event or waiting for Open Enrollment
- Choose your coinsurance, deductible, and optional pharmacy reimbursement coverage
- Choose policy duration between 30 to 90 days
- Get coverage as soon as the next day
Cons:
- You can only enroll once within a 12-month period
- Doesn't cover pre-existing health issues within the last 5 years
- Doesn't include essential health benefits
Choices and options to meet your needs
If short term medical insurance is right for you, our flexible plans are tailored to meet your needs. With our customizable coverage, you have the option to:
- Choose your coinsurance, deductible, and pharmacy reimbursement coverage
- Select from one to three months of coverage
- Sign up anytime. You don't need a life-changing event to apply.
Are you eligible?
You are eligible for Moda Health short term medical insurance if you and any family members who apply for coverage:
- Are under age 65 for the duration of the policy. Dependents must be under age 26.
- Are not eligible or will not be eligible for Medicare benefits during the policy term.
- Are not pregnant during the policy. If any member of your family is pregnant, you must wait to apply for coverage until after the pregnancy.
- Are not covered under another other hospital or medical insurance plan (Alaska policies only).
If you have any questions about payments, billing or our plan options, you can find answers here.
Eligibility requirements
About Moda Health
Since 1955, we've been providing our members the choice, coverage and compassion they need to feel their very best. We help members across Alaska and Texas meet their short term medical insurance needs with caring customer service.