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You can insure any one of the following combinations of family members:
- Single adult
- Couple - you and your spouse
- Family - you, your spouse and one or more children
- Single parent household - parent and one or more children
- Single child
- More than one child
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Rate computations for child/children only plans vary by carrier. Some insurance companies have specific rates for youth plans and other insurance companies base rates for children on the age of either the youngest or oldest child.
Medical Plan Types
Medical, standard long-term coverage
This is the most common form of coverage. This type of coverage is renewable for multiple years and can provide continuous claims coverage over a long period of time. Most plans of this type cover both major medical expenses (e.g., hospitalization and surgeries) and routine medical expenses (e.g., office visits and annual exams), subject to deductibles and co-payments or co-insurance.
Short-term, up to 12 months temporary coverage
Short-term health insurance is a temporary health insurance plan (typically 1 to 12 months) and should NOT be used as a substitute for standard, long-term health insurance.
If you are:
- Between jobs
- Waiting for coverage from another health plan to start
- Laid off
- On strike
- A recent college graduate
- A seasonal employee
- then short-term health insurance may be right for you.
