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Short-Term Plans

We don't currently offer Short-Term Plans in your area.

2021 Short-Term Plans

If you need to find temporary healthcare coverage quickly, short-term plans are made for you. Streamlined to give you solid coverage and smaller payments, short-term plans cover many of the same preventive services as long-term plans, at a lower cost without all the extras.

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Why us?

Quick and Easy

You choose your coverage length from one to six months.* And your coverage can start as early as the next day.

*After your short-term coverage ends, you must wait 60 days before enrolling in another short-term Health Alliance™ plan. The maximum length of this policy is 180 days.

Affordable

Choose the deductible and out-of-pocket maximum combination that fits your needs. You can see any provider, but you’ll pay less when you stay in network.

Anytime Nurse Line

Coverage includes access to our Anytime Nurse Line to give you 24/7 answers to your health questions.

NOTICE: THE SHORT-TERM, LIMITED-DURATION INSURANCE BENEFITS UNDER THIS COVERAGE DO NOT MEET ALL FEDERAL REQUIREMENTS TO QUALIFY AS “MINIMUM ESSENTIAL COVERAGE” FOR HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT. THIS PLAN OF COVERAGE DOES NOT INCLUDE ALL ESSENTIAL HEALTH BENEFITS AS REQUIRED BY THE AFFORDABLE CARE ACT. PREEXISTING CONDITIONS ARE NOT COVERED UNDER THIS PLAN OF COVERAGE. BE SURE TO CHECK YOUR POLICY CAREFULLY TO MAKE SURE YOU UNDERSTAND WHAT THE POLICY DOES AND DOES NOT COVER. IF THIS COVERAGE EXPIRES OF YOU LOSE ELIGIBILITY FOR THIS COVERAGE, YOU MIGHT HAVE TO WAIT UNTIL THE NEXT OPEN ENROLLMENT PERIOD TO GET OTHER HEALTH INSURANCE COVERAGE. YOU MAY BE ABLE TO GET LONGER TERM INSURANCE THAT QUALIFIES AS “MINIMUM ESSENTIAL COVERAGE” FOR HEALTH INSURANCE UNDER THE AFFORDABLE CARE ACT NOW AND TO PAY FOR IT AT WWW.HEALTHCARE.GOV.

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 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 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.

Plan Overview

Both point of service (POS) plans and preferred provider organization (PPO) plans give you the freedom to go out of network, but you can save money staying in network.

A POS plan gives you personalized care. We recommend an in-network primary care provider (PCP) to coordinate your care. With a PPO plan, you don’t need to choose a PCP.

Choose your age to see plan rates.

PPO Plans

Plan Year Deductible

$1,000 in-network

$2,000 out-of-network

Plan Year Out-of-Pocket Maximum

$1,000 in-network

$2,000 out-of-network

$49 $75 $81 $95 $109 $132 $160 $207 $260 $320

Plan Year Deductible

$2,000 in-network

$4,000 out-of-network

Plan Year Out-of-Pocket Maximum

$4,000 in-network

$8,000 out-of-network

$44 $67 $73 $85 $98 $119 $144 $186 $234 $288

Plan Year Deductible

$5,000 in-network

$10,000 out-of-network

Plan Year Out-of-Pocket Maximum

$10,000 in-network

$20,000 out-of-network

$37 $56 $60 $71 $81 $98 $119 $154 $194 $238

Plan Year Deductible

$7,500 in-network

$15,000 out-of-network

Plan Year Out-of-Pocket Maximum

$15,000 in-network

$30,000 out-of-network

$34 $51 $55 $65 $75 $90 $109 $142 $178 $219

POS Plans

Plan Year Deductible

$1,000 in-network

$2,000 out-of-network

Plan Year Out-of-Pocket Maximum

$1,000 in-network

$2,000 out-of-network

$47 $72 $77 $91 $104 $126 $153 $198 $248 $306

Plan Year Deductible

$2,000 in-network

$4,000 out-of-network

Plan Year Out-of-Pocket Maximum

$4,000 in-network

$8,000 out-of-network

$42 $64 $70 $81 $94 $114 $138 $178 $223 $275

Plan Year Deductible

$5,000 in-network

$10,000 out-of-network

Plan Year Out-of-Pocket Maximum

$10,000 in-network

$20,000 out-of-network

$35 $53 $57 $68 $77 $94 $114 $147 $185 $227

Plan Year Deductible

$7,500 in-network

$15,000 out-of-network

Plan Year Out-of-Pocket Maximum

$15,000 in-network

$30,000 out-of-network

$32 $49 $53 $62 $72 $86 $104 $136 $170 $209

Benefits Overview

  • Maximum We'll Pay Per Individual

      $ = Copay         % = Coinsurance  

    Overall $1,000,000
    Physical Therapy 30 Visits
    Durable Medical Equiptment/Orthotics $500
    Protheses $10,000
  • Medical Benefits
    PCP Visit Deductible, 20% in-network
    Deductible, 50% out-of-network
    Specialist Visit Deductible, 20% in-network
    Deductible, 50% out-of-network
    Preventive Services
    Immunizations, adult and child annual physical exams, mammograms, PAP smears, cancer screenings, and more.
    Deductible, 20% in-network
    Deductible, 50% out-of-network
    Laboratory and X-ray Deductible, 20% in-network
    Deductible, 50% out-of-network
    Outpatient Surgery/Procedures
    Facility coverage only; physicians fees may apply
    Deductible, 20% in-network
    Deductible, 50% out-of-network
  • Prescription Drug Coverage
    Tier 1 Prescription Drugs
    Does not apply to the out-of-pocket maximum or deductible.
    $20 in-network
    Not covered out-of-network
  • Emergency and Hospital Care
    Emergency Ambulance Transportation $100
    Emergency Department Visits $500, per visit
    Inpatient Hospital Deductible, 20% in-network
    Deductible, 50% out-of-network
    Outpatient Physical Therapy Deductible, 20% in-network
    Deductible, 50% out-of-network
    Durable Medical Equipment and Protheses
    Does not apply to the out-of-pocket maximum.
    20% in-network
    50% out-of-network

    You must also pay any charges in excess of the maximum allowable charge. Amounts over the maximum allowable charge do not apply to your out-of-pocket-maximum.

How to Enroll

We have plenty of options for enrollment. Download and fill out our application here, visit us in person or call (877) 686-1168 (TTY 711).

Health Alliance Connections
3301 Fields South Dr., Suite 105
Champaign IL 61822

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