Short-Term Health Insurance Plans
Short-term health insurance plans can bridge a gap in your health coverage during periods of transition in your life. Short-term plans can be purchased at any time during the year—coverage begins as soon as the next day.
Short-Term Plan Features
Our short-term plans have different deductible amounts and allow you to select the length of coverage that works best for you.
Is Short-Term Health Insurance Right for You?
A short-term plan may be right for you if you’re:
- Looking for an alternative to COBRA
- Between jobs and waiting for your new employer coverage to begin
- Aging off your parent’s insurance plan
- Under 65 and do not need coverage for pre-existing conditions
- Looking for coverage outside of the Open Enrollment Period and don’t have a qualifying life event
Determine Your Eligibility
If you live in one of the following Ohio counties, you are in our service area and a short-term health plan may be a good option for you:
- Defiance, Erie, Fulton, Henry, Huron, Lucas, Ottawa, Sandusky, Seneca, Williams, Wood and Wyandot
Important Things to Keep in Mind
Short-term plans do not cover pre-existing conditions and are medically underwritten. If you are looking for more comprehensive coverage, an Individual and Family plan (link to Paramount Individual and family plan LP) may be right for you.
See below for answers to some of our most commonly asked questions.
Virtual doctor visits are always an option.
Ready to Shop?
Use our online enrollment to get an instant quote. Or reach out today to find a plan that fits your health insurance needs. Call 888-891-0707 or contact your licensed insurance agent.
FAQ
We do. We know how important access to a provider is for you and your family. So, we have included virtual doctor visits in all of our short-term benefits plans at a $0 copay.
Read More
We offer different short-term plans with varying levels of premiums, the amount you pay every month, and benefits. Depending on your health status, we may recommend a plan with a lower deductible and lower out-of-pocket maximum.
Receive a quote today.
As a part of the application process for short-term health plans, you will need to complete an online questionnaire. Depending on your answers to our questionnaire, you may be denied short -term health coverage. This means that a short-term health plan is not the best health insurance option for you.
However, there are other alternatives like Paramount Marketplace plans.
No. By selecting a Paramount short-term health insurance plan, you have the option to use providers within Paramount's robust network. Paramount does offer coverage outside of the network. Using non-network providers will cost you more due to a non-network penalty.
IMPORTANT: This is a short-term, limited-duration policy,
NOT comprehensive health coverage
This is a temporary limited policy that has fewer benefits and Federal protections than other types of health insurance options, like those on HealthCare.gov.
| This policy | Insurance on Healthcare.gov |
|---|---|
| Might not cover you due to preexisting health conditions like diabetes, cancer, stroke, arthritis, heart disease, mental health and substance abuse disorders | Can’t deny you coverage due to preexisting health conditions |
| Might not cover things like prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, physical therapy and more | Covers all essential health benefits |
| Might have no limit on what you pay out-of-pocket for care | Protects you with limits on what you pay each year out-of-pocket for essential health benefits |
| You won’t qualify for Federal financial help to pay premiums and out-of-pocket costs | Many people qualify for Federal financial help |
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”