A temporary health plan with limited pre-existing condition coverage for those in-between times.
Connect Plus is a short-term health insurance plan that provides a limited benefit for certain pre-existing conditions. A first-of-its-kind alternative health insurance option with a deductible range from $2,000 to $10,000 and a maximum benefit of $2 million, Connect Plus may be a good option if you want more coverage than traditional short-term plans.
Covered expenses generally include the high-dollar, unexpected care and treatment you may require as a result of an illness or injury such as from a heart attack, stroke, broken leg or doctor’s office visit due to illness. Connect Plus also includes some benefits for certain pre-existing conditions such as treatment resulting from asthma, allergies and broken bones.
These plans are highly customizable. Individual plans vary, so you’ll want to read the plan details closely to validate the coverage and benefits you’ve selected and what exclusions apply.
Hospital room and board
Emergency room – anesthesiology and surgical care
Diagnostic services – X-rays, laboratory tests and analysis
Ambulance and surgical services
Limited pre-existing conditions
Injuries or illness related to participating in extreme or dangerous activities
Medical costs resulting from injury from riding an ATV (dirt bike, snowmobile, go-cart), racing with a motorcycle, boat or any form of aircraft.
Most pre-existing conditions
Any medical expenses incurred prior to the effective date or after the expiration date of your policy
Tobacco, drug, and alcohol-related treatment expenses
Legal Disclaimer: The above list is not a complete list of coverages and exclusions This is a brief description of insurance coverage. For complete details including all benefits, exclusions and limitations, refer to policy form number IAIC ISTM POL 0913. May vary by state.
Here are a few of the pros and cons to consider when you’re thinking about applying for a Connect Plus health plan.
Limited pre-existing condition coverage – Get up to $25,000 benefits for healthcare expenses relating to certain pre-existing conditions.
Apply year-round – There is no official open enrollment period and, in most cases, coverage begins the next day after you enroll online.
Don’t pay for coverage you don’t need – Plans are highly customizable; you can choose from various health benefit levels.
Keep Your Doctor – No provider network limitations means you can visit your preferred healthcare provider.
Plans are limited to 30 to 90 days due to a federal rule – However, that rule will be reversed beginning October 2018, meaning short-term plans will again be available for up to 364 days in some states.
Less coverage than major medical – Preventive care and many other essential health benefits such as prescription drugs and immunizations are not covered. If you think you will need any of the 10 essential health benefits guaranteed by the ACA-qualifying plans, then Connect Plus may not be right for you.
Not ACA-qualifying major medical coverage – Connect Plus is a form of alternative health insurance, not ACA-qualifying major medical coverage.
Most pre-existing conditions are still not covered – Though Connect Plus covers some, it still leaves a lot of gaps. You’ll want a major medical plan if you need coverage for most pre-existing conditions.
Not available in every state
Legal Disclaimer: The above list is not a complete list of pros and cons. This is a brief description of insurance coverage. For complete details including all benefits, exclusions and limitations, refer to policy form number IAIC ISTM POL 0913. May vary by state.
Connect Plus is currently available in the following states:
A Connect Plus limited coverage pre-existing conditions plan may be a good option if you:
Connect Plus short-term health insurance plan works as follows:
Apply for a Connect Plus plan, including answering a short health history questionnaire. Once approved, you pay a monthly premium and begin coverage on your selected effective date.
When you need healthcare, visit a provider who accepts temporary coverage and present your insurance card. The healthcare provider will file the claim.
Your Connect Plus plan will pay its portion of covered expenses. You will be billed for the remaining expenses, subject to your policy’s deductible and coinsurance amounts.
The biggest difference between Connect Plus and traditional short-term health plans is in the benefits, including what you pay and what the plan pays. The following comparison chart highlights the key similarities and differences.
|Traditional STM||Connect Plus STM|
|Coverage Duration||30 to 90 days||30 to 90 days|
|Coverage for Certain Pre-Existing Conditions||No||Up to $25,000|
|Office Visit Copay||$50||$50|
|Deductible||$1,000 to $5,000||$2,000 to $10,000|
|Coverage Period Maximum Benefit Amount||$750,000 to $2 million||$2 million|