The Highest Rated Term Health Plans Available
Finally, You Have Affordable Choices In Carriers, Plans And Deductibles
Need help? Speak with a Licensed Agent at (855) 826-0030
Short Term Medical Insurance
New Illnesses & Injury Coverage
Plans begin at $80/month.
Based on age and state availability
The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.
Accident Only Insurance with Telehealth
Plans start at $44/month.
Based on age and state availability
Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.
Includes Telehealth giving you access to prescribing doctors for common issues.
Limited Indemnity with Telehealth
Includes Telehealth giving you access to prescribing doctors for common issues.
Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.
All plans are subject to age and state availability
Includes Free Telehealth by Teladoc Health
Many plans give you 24/7 access to prescribing doctors over video chat, telephone or email via Telehealth by Teladoc Health. No copays!
What Is Supplemental Accident Insurance?
Accident Only Insurance pays specific amounts to help cover out-of-pocket expenses you may incur from healthcare providers, hospitals and ambulances for services resulting in injuries from accidents.
It is sold separately from major medical plans and often used to supplement those policies.
Those in good health will often use supplemental insurance as their individual healthcare plan in case of accident.
The CAM Plan Does Cover Virtual Doctor Visits For Free!
A benefit that you won’t find with other accident plans is that Comprehensive Accident Medical or CAM also covers virtual visits via TeleMedicine using Teladoc Health. Members may schedule webchat, video or phone chats to discuss common issues with prescribing doctors with no copays.
Temporary Short-Term Use
Primarliy, many people will use Supplemental Accident insurance as an affordable alternative health insurance to cover injuries while they wait for their next major medical plan to kick in. Great for those in need of a form of “Gap Insurance”.
Types Of People Who Use Accident-Only Insurance For Temporary Purposes
- Missed Open Enrollment – Individuals who missed the federal annual open enrollment for ACA-compliant health insurance
- Waiting For Work Insurance To Start – Individuals waiting before enrollment in an employer’s group health plan.
- COBRA Alternative – A typical COBRA plan is $400 – 700/month per individual. This becomes a cost-effective alternative to traditional COBRA for those in work transition from either quitting their job or getting let go.
- Loss Of Dependent Status – Adult children who are aged 26 are most often dropped from their parents major medical plan.
- College Students – Many college students will use Accident protection as a cheap way to stay covered in the event of serious accidents.
- Retirees – Seniors who’ve left their jobs and are waiting Medicare eligibility.
- Other Dependents – Use for dependents that may not be covered by an employer health plan.
Supplemental Use
Those looking for extra insurance coverage to help pay their major medical coinsurance for accidents.
It’s extra cushion for parents involved with kids sports (check state availability) or anyone living a high adventure lifestyle.
These Plans Do Not Cover Pre-Existing Conditions
Term Medical is not for everyone. It’s important to know what’s not covered, so you can avoid any surprises if you are not the right customer for this product, including but not limited to:
- Pre-existing conditions are not covered
- Dental and eye care are not covered
- Prescriptions (unless prescribed during a covered hospitalization) are not covered
- Like most health insurance plans, services are subject to Usual Customary and Reasonable (UCR) review to determine the Maximum Allowed Expense.
We want your plan to work for you. That’s why it’s also important to know that these plans are not considered “minimal essential coverage” under the federal Affordable Care Act and that you may be subject to a tax penalty.
Frequently Asked Questions Regarding CAM
Does CAM provide benefits towards intercollegiate sports?
This is generally excluded but State specific. TX does not allow, CA does allow.
Is there a benefit for an ambulance?
If the accident is eligible, benefits can be paid for an ambulance only from the place the injury occurred to the hospital, subject to the policy maximum.
Are auto or motorcycle accidents excluded?
2 or 3 wheel motor vehicles are excluded. Motor vehicles with 4 wheels can be included if the insured has a valid driver license and was not under the influence.
Contact Us
Have questions about term medical insurance or need help finding the right plan?
Talk with a licensed agent toll-free at (855) 826-0030.
Enrollments by
We are private insurance company that exclusively sells Comprehensive Accident Medical amongst other types of insurance including Short-Term Medical, Vision, Dental and Life Insurance.
This is a brief description of coverage provided under Group Accident, Form GAC-30000, and subject to the terms, conditions , limitations, and exclusion of the Policy. Please see the Policy and Certificate for complete details. Coverage may vary or may not be available in all states. Plans are underwritten by the United States Fire Insurance Company , Eatontown, NJ. Plans are underwritten by the United Fire Insurance Company, C&F and Crum & Forster are registered trademarks of United States Fire Insurance. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015.
