Flex Term
Health Insurance
The perfect solution for your temporary needs.
Apollo Insurance Group
Official Health Insurance Brokers
As we live out our mission to Positively Impact People’s Lives, we battle for you and all your health insurance needs.
What is a Flex Term Health Insurance Plan?
A flex term health insurance plan is a type of short-term medical insurance that provides coverage for a limited period of time, typically 30 to 364 days.
These plans are designed to bridge gaps in coverage, such as when you are between jobs or waiting for new employer-sponsored coverage to kick in.
They can also be used as primary coverage for people who do not qualify for ACA subsidies or who are looking for more affordable coverage.
How Do Flex Term Plans Work?
Flex term health insurance plans work similarly to traditional health insurance plans, but with a few key differences.
- Coverage period: Flex term plans typically offer coverage for a limited period of time, typically 30 to 364 days. You can renew your plan at the end of the coverage period, but you may be subject to a waiting period.
- Essential health benefits: Flex term plans do not cover all of the essential health benefits required by the Affordable Care Act (ACA). For example, they may not cover preventive care, prescription drugs, or maternity care.
- Pre-existing conditions: Flex term plans do not have pre-existing condition exclusions. This means that you can be covered for pre-existing conditions, even if you have been denied coverage in the past.
Benefits of Flex Term Plans
Flexibility
Flex term health insurance plans can be purchased for any length of time, from 30 days to 364 days. This makes them a good option for people who need temporary coverage, such as when they are between jobs or waiting for new employer-sponsored coverage to start. Short-term plans are also a good option for students who need coverage during the summer or winter break.
Quick Enrollment
It’s easy to sign up for a flex-term health insurance plan, and you can usually start coverage right away. This is different from other types of health insurance, which may have waiting periods before you can start using your coverage.
Cost Savings
Flex-term plans tend to have lower premiums compared to traditional health insurance options. This affordability makes them attractive to those seeking temporary coverage or looking for more budget-friendly alternatives.
Customizable Coverage
Flex-term health insurance plans offer a variety of coverage options, so people can choose the benefits that are most important to them. While these plans may not cover pre-existing conditions, they can provide coverage for unexpected illnesses, accidents, or emergency medical services.
Access to Network Providers
Many flex-term health insurance plans have networks of healthcare providers, which means that policyholders can get medical care from a list of preferred doctors and hospitals. This access to a network ensures that people can get care from reputable providers while keeping their costs down.
Happy Clients
Insurance Products
Years Of Combined Experience
Professional Agents
Call 816-400-4477 to get health insurance.
Are Flex Term Plans Right For Me?
A Flex Term Plan may be the best option for you if:
- You are between jobs and your employer-sponsored health insurance coverage ends.
- You start a new job, but your health insurance coverage doesn’t start for a few months.
- You are a student on break from school and you need health insurance coverage.
- You are self-employed and you need health insurance coverage.
- You are waiting for new health insurance coverage to start.
- You need temporary coverage for a specific medical event, such as surgery or childbirth.
If these describe you, then it might be time to consider the healthcare options that are available to you.
Apollo Will Find The Right Plan For You
Operating since 2010, Apollo Insurance Group is a prominent health insurance brokerage serving Lee’s Summit, Missouri, and Chicago, Illinois. Our core purpose revolves around making a positive impact on people’s lives. Through our relentless commitment, we strive to unearth the optimal solutions for our valued clients, foster meaningful connections with our employees, and actively contribute to our communities. With a specialization in Medicare, life insurance, dental, and vision coverage, Apollo boasts a team of knowledgeable agents well-versed in individual health insurance. Allow us to assist you in finding the perfect plan tailored to your needs. Connect with us today by completing our convenient contact form.
Health Insurance Blogs
How To Get Dental Implants Covered By Medical Insurance
Quick Links: Are dental implants covered by insurance? The Importance of Dental Insurance for Implants Understanding the Average Cost of Dental Implants Maximizing Dental Insurance for Implants Does Dental Insurance Cover Implants? Identifying Insurance Providers That...
Is Accident Insurance worth it? (A Guide To Saving Money)
Quick Links: What is Accident Insurance? How Does Accident Insurance Work? Major Medical Insurance and Accident Insurance Critical Illness Insurance vs Accident Insurance What Does An Accident Insurance Plan Cover? The Scope of Personal Accident Insurance The Value of...
Lasik Eye Surgery Cost Without Insurance
Quick Links: What is the Average Cost of LASIK The Role of Medical Technology in Lasik Surgery Procedures Vision Service Plan (VSP) Option for LASIK The Cost of LASIK: How Much Can You Expect to Pay? What is the LASIK Procedure? Post-LASIK Care and Recovery Frequently...
Contact Us
Contact Us To Get Affordable Health Coverage In Maryland For Your Needs At No Extra Cost!
Call 816-400-4477