Travel coverage
For people temporarily outside their country of residence who want protection for certain medical needs during a trip.
Health & Life Plans
Health Coverage Alternatives
Different needs require different solutions.
If, after reviewing your Health Insurance Marketplace (ACA / Marketplace) options—also commonly known as Obamacare—you need to consider other alternatives because of cost, coverage duration, or particular circumstances, we can help you understand the available options.
Short-Term Health Insurance
Designed to provide temporary medical coverage during certain periods or transitions. It may be an option for people who need coverage for a limited time and, after reviewing the Health Insurance Marketplace (ACA / Marketplace), want to evaluate other alternatives.
Coverage, eligibility, exclusions, deductibles, and benefits can vary considerably by plan and where you live.
It may be useful to consider when:
- You need coverage during a transition.
- You are waiting for other coverage to begin.
- You need a solution for a limited period.
Short-term plans are not ACA plans and may not include all Essential Health Benefits. They may also have exclusions or limitations, including those related to preexisting conditions.
Fixed-Benefit Plans
These plans pay predetermined amounts for certain covered medical services or events, according to the terms of the policy.
Rather than operating like comprehensive medical insurance, the benefit is based on amounts established in advance for covered services.
Before choosing one, review:
Available coverageScheduled benefitsLimitsExclusionsCostsExpected medical needs
These plans are not designed to replace comprehensive medical insurance.
Find an agent →Discount Plans
Discount plans provide access to reduced rates for certain services from participating providers.
A discount plan is not health insurance.You remain responsible for service costs after the applicable discount.
International and Travel Medical Insurance
International medical coverage
For people living, working, or studying abroad for extended periods who need a health solution designed for international life.
What type of coverage do you need?
Every situation is different. An agent can help you understand options based on your needs and circumstances.