*IMPORTANT: SHORT TERM MEDICAL PLANS (STM) cost less than permanent ACA compliant major medical plans because they insure less over a 90 to 364 day periods. STM plans are not ACA compliant, and are limited versus unlimited essential health benefits available on the Marketplaces. STM plans EXCLUDE preexisting medical conditions, and typically reimburse physicians/Hospitals a referenced-based-pricing. Off-plan (non-contracted) providers can balance bill a higher charge than the plan pays, and bill the patient the difference.
STM Plans that offer four consecutive 90 day policies are far better than plans requiring a new application every 90 days, and that will exclude a preexisting medical condition. Pivot Core plan offers four consecutive 90 day policies. The Pivot CORE plan uses the First Health PPO Network, and is not OPEN ACCESS, meaning care must be received in the PPO network. It insures a reasonable and customary billed charge, not a referenced based pricing which is more coverage.
The Pivot: ECONOMY, CHOICE, STANDARD and DELUX plans ARE OPEN ACCESS, and insuring eligible care to any licensed provider. These plans insure the billed charge up to 125% / 150% of what the Medicare fee schedule allows. Non-contracted providers may charge much more, so it is important to ask if your provider will balance bill you for an amount above what Medicare (125% / 150%) allows before receiving care.
*READ your POLICY to know your plan limits and EXCLUSIONS, or do not buy the plan. If you are not sure, stick with Marketplace offered ACA compliant major medical plans.