Pivot Health STM

Limited Duration Short Term Medical Coverage

This product is for individuals and families. At time of enrollment, proposed insured answers simplified health questions (accept / reject). Available coverage terms vary by state. Please see state availability at the bottom of this page.

Short Term Medical Duration Options*

*Policy duration varies by state - see product availability grid.

Pivot Health STM

Pivot Health has multiple short term medical (STM) plan designs that utilize either an open, all-access network or a national PPO network in many states. When you run a short term medical quote from your customized URL in an approved state, you will receive plans and rates for all of Pivot Health's STM plans. You can use the filter on the left side of the quote page to choose the plan either by cost, deductible, plan type or network type.

Check out the Pivot Health STM brochure for more information!

View Pivot STM Brochure

Plus pre Medicare plans also available:

    • Bridge to Medicare



Disclosures
Short Term Medical Disclosure

This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy/Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services).

Your Policy/Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not “minimum essential coverage.”

This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.


In addition to Pivot Health STM, get access to pre-Medicare plans for your clients who are age 62 or older.
Login to your agent portal to learn more.

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Pivot Health STM
Product available in the following states:

AL, AZ, AR, DE, DC, FL, GA, ID, IL, IN, KY, LA, MI, MS, MO, NE, NV, NC, OH, OK, OR, PA, TN, TX, VA, WV, WI, WY

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