Short-Term Insurance Carriers

Short-Term Insurance Carriers

We offer a comprehensive list of preferred companies offering short-term health plans in Illinois. 

If you would like to consult with one of our licensed agents to review your subsidy eligibility or discuss your insurance options, please contact us.

Carriers We Currently Offer

Short-Term Insurance Carriers

National General

National General Consecutive short-term health insurance policies use the Aetna Open Choice PPO network with no referral required, which includes access to:

  • Northwestern Memorial Hospital
  • University of Chicago Medical Center
  • Rush University Medical Center
  • Ann & Robert H. Lurie Children’s Hospital
  • Many other hospitals and medical providers nationwide

Other feature highlights include:

  • Coverage Period Maximum of $250,000 and $1 million per year
  • Deductible options of $1,000, $2,500, or $5,000
  • Coinsurance Percentage of In-Network plan 100/0, 80/20, 70/30, and 50/50
  • Doctor Office Visit and Urgent Care Co-pay of $50
bcbsil medicare plans

United HealthCare – Golden Rule Insurance Co.

Golden Rule Insurance Company short-term medical plans allow you to choose your doctors and hospitals and pays for all covered expenses once your deductible and coinsurance amounts have been met. First, you pay your deductible, next the insurer pays a percentage of covered expenses to a coinsurance limit.

Carriers No Longer Offered

bcbsil medicare plans

BlueCross and BlueShield of Illinois SelecTEMP PPO

BCBSIL SelectTemp PPO Plans were discontinued January 1, 2016

SelecTEMP PPO utilizes the Blue Cross Blue Shield PPO network of doctors and hospitals, provides coverage from 1 month – 11 months, and covers many of the most costly health care services, including:

  • Inpatient and outpatient medical, surgical and hospital services
  • Diagnostic services
  • Emergency care
  • Office visits
  • Prescription drug coverage
  • Physical, occupation and speech therapy
In-NetworkOut-of-Network
Length of Coverage1-11 months
Deductible (individual)
Amount you pay toward covered expenses before the plan pays benefits.The family deductible is 2 times the individual deductible.
$500
$1,000
$1,500
$2,000
$2,500
$5,000
$1,000
$2,000
$3,000
$4,000
$5,000
$10,000
Rate of Payment (Coinsurance)
Percentage of covered expenses BCBS pays after the deductible
80%60%
Out-of-Pocket Maximum
The amount of money an individual pays toward covered hospital and medical expenses. Does not include deductible
$1,000
($2,000 for 2 or more individuals)
$2,000
($4,000 for 2 or more individuals)
Lifetime Benefit Maximum
The total maximum amount the plan pays
$1.5 million$1.5 million

1 Comment

  1. John

    When is the policy start date if I apply today?

    Reply

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