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When you’re looking for temporary insurance for pre-existing conditions, Connect Plus is the only plan you’ll find that offers limited pre-existing condition coverage—and it’s available here.
Short-term health insurance plans don’t typically cover pre-existing conditions—prior healthcare issues that appear in your medical history.
Enter Connect Plus, a short-term health insurance plan that provides a limited benefit for certain pre-existing conditions. This plan, offered by The IHC Group, is the first of its kind—no other carriers sell this in the short-term medical market today.
Who It's For:
Individuals, Couples, Families, Child-Only
20%, 30%, 50%
Bundle with Other Products
Pre-Existing Condition Coverage*
Minimal Essential Coverage
* This is a limited benefit for certain pre-existing conditions. See policy for details.
Available in These States:
Connect Plus may be a good fit if you:
Think Connect Plus may be right for you? Call the number on your screen to speak with a knowledgeable advisor and get all your questions answered, or begin the quote and enroll process now to compare multiple plans.
If you qualify, Connect Plus provides up to a maximum benefit of $25,000 for eligible healthcare expenses related to pre-existing conditions.
Pre-existing conditions are defined as:
Any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within 5 years preceding your effective date of coverage; or symptoms within 5 years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. The time period may vary by state.
Specific pre-existing conditions are subject to review and approval during the application process, but examples of covered pre-existing medical conditions include asthma, allergies or broken bones.
How do you find out if your pre-existing condition is covered? Begin the quote and enroll process now (pre-existing conditions are included on the health history questionnaire), or call the number on your screen to speak with an advisor.
When it comes to buying coverage, receiving care and getting claims paid, Connect Plus works like other short-term health insurance plans.
You 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, you 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 costs, subject to your plan’s deductible and coinsurance amounts.
Let’s look at an example that shows how Connect Plus can help relieve some of the financial burden associated with a high-cost medical event.
In this scenario, the individual covered incurs a claim of $30,000 related to a pre-existing condition. Their Connect Plus plan has the following policy benefits:
$5,000 | 50/50% coinsurance | $2,000 out-of-pocket maximum (after deductible)
|First Claim: Eligible/Allowed Amount = $30,000||Plan Pays||Insured Pays|
|Claim capped at $25,000 maximum benefit||$0||$5,000|
|Deductible $5,000 (per policy period)||$0||$5,000|
|Coinsurance 50/50 up to out-of-pocket maximum of $2,000 (per policy period)||$18,000||$2,000|
The pre-existing condition benefit has now been exhausted, as it is limited to a single claim up to $25,000.
Ready for the peace of mind that a temporary health plan can provide? Begin the quote and enroll process now or call the number on your screen to speak with an advisor.
At a high level Connect Plus is similar to other temporary coverage. All plans share the following features:
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.
|Standard Short-Term Medical||Connect Plus Short-Term Medical|
|Coverage Duration||30 to 90 days||30 to 90 days|
|Pre-Existing Conditions Covered||No||$25,000|
|Office Visit Copay||$50||$50|
|Deductible||$1,000 to $5,000||$2,000 to $10,000|
|Coverage Period Max Benefit Amount||$750,000 to $2 million||$2 million|
Save on your monthly health costs and experience peace of mind knowing your new insurance plan includes some benefits for pre-existing conditions.
After you complete a short quote form, you’ll get multiple plan options to choose from, including Connect Plus. Ready to go?
Want to speak to a professional health insurance advisor to get personalized guidance or help bundling multiple plans? Call the number on your screen.