Arizona Short Term Health Insurance

The Pivot Arizona short term health insurance plans offer coverage up to $1 million, and lower cost options as well. Please click HERE for full details and to generate a quote and to apply online. Coverage within 24 hours.

Pivot Short-Term Insurance Plans to Fit Your Life Situation: Brochure

New Benefits from Pivot:

Routine Wellness exam paid at 100% up to $200 – No waiting period Annual OB-GYN exam, mammogram, ovarian cancer monitoring, colorectal cancer and prostate screening benefits

Childhood immunizations and routine service coverage Inpatient and Outpatient Mental Health and Substance Abuse benefits

Organ transplant benefits HIV coverage

Joint, neck, and spine injury coverage

Enhanced Features

US citizenship requirement reduced to 4 months Sickness waiting period reduced to 3 days

Out of pocket maximum now includes deductible and copayments Waiting Period for select conditions reduced to 3 months

Preferred outpatient drug copay charge now $30 copay with no additional deductible Pre-Authorization is now waived

Arizona Short Term Health Insurance policies are half the cost of an ACA individual plan yet offer excellent coverage. The majority of applicants are approved, and benefits may begin within 24 hours.

Short term medical (STM) plans typically do not cover any pre-existing conditions present within the last five years, maternity, or preventive care… though most Pivot short-term plans are now offering preventive benefits. Also new to several STM plans is tele-medicine coverage.

The name “Short Term” is a misnomer when applied to short term health insurance in Arizona. Arizona law allows for such policies to be in force for up to 3 years at a time, which, obviously, is not a short period of time. Most states limit STM plans to a few months in total policy duration before the applicant is forced into a much more expensive individual ACA policy if they wish to remain covered.

One major benefit of having a 3-year short term policy is that any covered medical condition that arises in the first year is covered in the following two years as well.