Short-Term Medical
Coverage that's flexible and temporary, so you can get the protection you need without the long-term commitment.
Short-term health insurance in North Carolina is an option for people who need cost-effective, emergency
health insurance coverage. It's not a recommended choice for people who need frequent doctor visits, as benefits
are limited and do not include features such as preventive care. Short-term
plans can also deny or provide limited coverage for people with pre-existing conditions, and they're not meant
to be a permanent health
insurance solution.
However, short-term plans can be a helpful solution for people:
However, short-term plans can be a helpful solution for people:
- In a coverage gap, such as having missed the Open Enrollment Period for the Affordable Care Act (ACA) plans
- Currently in between jobs or work
- Under 65 years old and overall healthy
- Looking for a temporary alternative to COBRA insurance
Frequently Asked Questions
Coverage can start as soon as the next day in many cases unless further review is needed.
In North Carolina, per new guidelines introduced in September 2024, short-term plans issued or
sold on or after
September 1, 2024, will be restricted to a maximum total duration of four months, including any
renewals. The initial term cannot exceed three months. Rules may differ in other states.
No qualifying event is needed in order to apply for a short term medical plan. Remember,
pre-existing conditions may be excluded from coverage.
Typically, no. There may be limited coverage in some cases for services such as mammograms, PAP
smears, prostate check-ups, and limited preventive care for children who are enrolled into the
plan. However, most preventive care benefits are excluded from coverage.
Yes. Coverage can be terminated at any time during the policy term.
Need to chat with one of our agents?
Call (919) 328-3999