Short Term Medical Coverage In Va – Cheap Temporary Plans

Temporary health insurance in Virginia is cheap and is the perfect plan if you need medical coverage for less than 12 months. Our website helps you compare quality temporary Virginia benefits so you can apply online for a policy. It only takes a few minutes to complete an application. There are about five medical questions, and often you are instantly approved. This type of major-medical gap protection has become more popular since Obamacare was passed and implemented. Office visit, prescription, ER, urgent care, and preventative benefits are also available.
 

Seniors that are eligible for Medicare should not consider these types of options, since all carriers typically only offer temporary plans to applicants under age 65. MA (Medicare Advantage) and Medigap (Supplement) contracts are widely available, and an open enrollment period is annually offered.
 

We offer policies from the leading carriers in the state, so you are able to purchase the benefits that provide the protection you need. Up to 364 days of benefits are offered. Short-term contracts are perfect if you find yourself unemployed, uninsured, waiting for employer or Medicare benefits to start, or between jobs. Rates are extremely affordable for both individuals and families. Many students also utilize this type of policy if they are waiting for classes to begin, or simply taking a break from classes.
 

At any time, you may cancel your plan. Carriers that offer these types of policies feature multiple options, which makes it easier to customize coverage based on your unique needs and budget. Several deductible, coinsurance, and copay options are offered for all family applicants. Unlike Medicare Supplement plans, multiple family members can be included on a single policy, although multiple deductibles may apply to a family.
 

Although in many other states, this type of coverage is available up to 12 months, with a possible 36-month coverage period, Virginia places limits on benefits. Federal rules do not require a limit, but Governor Northam vetoed a bill that would have enhanced coverage of temporary plans. Instead, HB1037 and SB404 were passed, and have recently taken effect. Temporary health plans in Virginia became severely restricted and contain many provisions that limit benefits and the duration of contracts. Several of the changes include:
 

Coverage is limited to three months. One renewal is allowed for an additional three months, but six months is the maximum duration of coverage with a renewal. Qualified preventative benefits (SB95) are also provided with no cost-sharing. The medical loss ratio of these types of plans must be at least 85%. If medical loss ratios fall below that level, rebates are required to be credited to policyholders.
 

Sales of temporary plans are not permitted during the Marketplace Open Enrollment period between November 1 and January 15. Two other states have similar restrictions. Once the OE period has ended, ST plans may again be offered. Typically, a next-day effective date is available. ID cards can generally be printed or downloaded. Note: Legislation has been introduced that would increase ST plan duration limits to 364 days.
 

The State prohibits purchasing a short-term plan that would result in having coverage for more than 6 months in a 12-month period. Several years ago, multiple carriers provided 364 days of benefits. In most states, temporary coverage can be purchased during the OE period. However, unlike Exchange plans, medical underwriting is required.
 

Off-Exchange Plan
 

Short term health insurance Va plans are purchased as "off-Exchange" coverage since they do not contain all of the required Affordable Care Act (ACA) mandatory features, which are commonly referred to as "Essential Health Benefits." Although most major medical, hospital (inpatient and outpatient) and emergency-room expenses meet Obamacare requirements, maternity and pediatric dental, for example, are not included. Office visits, prescriptions, and Urgent-Care visits may also be limited or subject to a deductible. However, you also do not need to wait for an Open Enrollment to obtain coverage and can apply at any time.

 

They are not designed to act as a supplement to existing comprehensive plans, since they are considered "stand alone" policies. Therefore, if you already have coverage through an employer, AFLAC would be a better option for supplemental benefits. It is also important to understand that buying a temporary plan may cause you to become ineligible for some guaranteed-coverage products, including COBRA and HIPAA plans. Typically, Seniors eligible for Medicare can not purchase a short-term plan. Even if there is a three-month gap, a ST option is not offered.
 

These plans also do not qualify for a federal subsidy. However, because the price is so low, some consumers utilize the benefits to serve as their primary coverage. In a family situation where there are three (or more) occupants, the savings in an upper-income household can easily be $5,000-$10,000 per year. However, coverage for physical therapy, mental-illness treatment, non-generic prescriptions, maternity, and many other items will be much less robust than a Marketplace policy (both on and off the Exchange).
 

We can help you compare the differences and make an appropriate decision. Once you have obtained this type of policy, You may use coverage to supplement an ancillary or "limited benefit" plan. You are not required to retain coverage for any length of time.
 

It's also very important to compare the potential out-of-pocket costs of choosing a short-term policy vs. qualified standard plans. For example, a chronic ailment could lead to substantial uncovered prescription expenses, with possibly no other available policies until the beginning of the next Open Enrollment period. Complications from pregnancy or large expenses from uncovered pre-existing conditions could also hurt your pocketbook.

Policy Details

Policies can generally be renewed at least one time, and you may have to medically qualify. Several carriers previously offered 12 months of guaranteed continuous coverage, by underwriting three consecutive three-month renewal plans after the initial three month policy. 12-month and 364-day plans were also available in many areas. Once a policy is issued, you may cancel the plan at any time.
 

Low cost Va medical plans

Cheapest Health Insurance In Virginia


 

One of the biggest advantages is how quickly you can apply. For example, if you need to be covered the next day, by submitting the application before midnight, often you can choose a next-day effective date, since the underwriting process is streamlined. As earlier mentioned, selected companies offer immediate approval, assuming there are no major health issues, such as cancer, heart disease, rheumatoid arthritis, or chronic illness.

A combination of current conditions, such as high cholesterol and high blood pressure could cause the application to be denied. Also, if any surgeries or extensive procedures are currently planned or scheduled, the application will likely be denied. The existence of prior coverage does not affect the underwriting process, although selected carriers may offer a "prior coverage" discount.

 
Usually, there are only a few questions, and both online and faxed applications are accepted. Several carriers allow you to purchase a policy by phone. The most efficient method of purchasing coverage is through a reputable website like ours, or through a local independent broker. Many companies charge a one-time $20-$40 application fee, which is standard for the industry.
 

Any fee more than $50 is not acceptable. Typically, these types of fees are also not refundable, although an association membership may be included. Once the policy terminates, you may be able to continue the association membership, although it is not recommended. Association benefits may include life insurance and accidental death coverage. If terminating the primary policy, it's important to remember to also cancel the association coverage.
 

Maximum Length Of Coverage
 

Although Virginia temporary health insurance rates are low, the policies are not designed to be kept an extended period of time. Usually, you can purchase coverage from 3-6 months. However, each time you renew your coverage, you will have to re-apply, which is not time-consuming. After two renewals, a new carrier may have to be used. Guaranteed coverage through the Marketplace, Medicare (if age 65 or over), or Medicaid also should always be considered. During Open Enrollment, federal subsidies are available on Exchange plans.
 

Benefits available through an employer also may provide a competitive option. Open Enrollment typically occurs in November or December. Newly-hired employees can obtain coverage at the time they are first employed. A waiting period may be required (typically 30-90 days) before benefits begin, and a temporary plan is ideal to fill the gap. If a serious health condition is present, utilizing COBRA or an Exchange plan is a better choice, and an existing policy should not be terminated unless an alternative plan is offered that covers pre-existing conditions.
 

If you have exhausted COBRA eligibility, a "Special Enrollment Period" (SEP) should become available. This 60-day period should not be ignored.
 

If, during your first policy period you develop cancer, for example, the expenses will be covered in accordance with the provisions of the contract. However, it is possible (and likely) you will not be able to renew the policy. For this reason, you should take advantage of the Marketplace Open Enrollment periods (typically November through January), which will allow you to obtain guaranteed coverage for your expenses, and eligibility for federal financial aid. Special Enrollment periods are available for job loss, birth of a child, divorce, and many other situations. For example, if you move from Charlottesville to Roanoke, since a different set of carriers offer plans, you will qualify for a "Special Enrollment."
 

Disadvantages: When compared to major cities in other states (Kaiser Study), the number of available ST plans in the Old Dominion State was generally fewer. For example, although the Richmond area offers 15 plans, a higher number of options are available in many other cities, including 21 in Phoenix, Little Rock, Cedar Rapids, Oklahoma City, and Miami, 20 in Omaha, and Cleveland, and 18 in New Orleans, Las Vegas, and Milwaukee. As additional carriers are approved to sell these types of plans, more choices will become available. Many major carriers, including Blue Cross, do not offer temporary coverage in all states.
 

Very Cheap Prices Are Available
 

Prices are very low. For example, if you're a 35-year old male that resides in the Richmond area, there are eight plans that cost less than $90 per month. The deductibles and benefits will slightly vary, but the most important item, the "big ticket" expenses, will be covered. Maximum benefits range from $1 million to $5 million. Surgeries and ER expenses are also covered, as expected. However, office visits (both pcp and specialists) and most prescriptions, must meet a designated deductible. Expanded ST plans provide office visit and RX benefits subject to only a copay. Often Urgent Care and telemedicine visits are covered with only a copay. There is no cap on the number of visits allowed each year.
 

Short-term health insurance rates Virginia

Short-Term Health Plans Are Ideal If You Are Between Jobs


 

LifeShield's Smart Term Health Life plan with a $5,000 deductible was previously available at a cost of $43 per month. Of course, it's important to closely compare benefits and policy fees with other plans (Simply ask us). Lowering the deductible to $2,500 only increased the premium by about $10. Lowering the coinsurance also raised the rate. If you need a Va student health plan, often this type of policy will suffice, although it should only be a stopgap until you apply for a more comprehensive policy. Universities with medical coverage requirements will not accept a temporary plan.
 

Companion Life, Everest, Allstate, and UnitedHealthcare feature attractive rates in many parts of Virginia, including the Richmond area.  Depending on the makeup of your family and where you live, those carriers may actually be a better option for you. NOTE: Aetna, one of the largest US carriers, previously offered Marketplace plans in four states, including Virginia. However, they do not offer short-term contracts, although Group and Senior products are offered.
 

Family coverage is also quite affordable. For example, a husband and wife (age 40) and two children (total of four covered persons) residing in Richmond, can obtain a policy for as low as $210 per month (Companion Life $5,000 deductible). The deductible reduces to $2,500 by paying $306 with UnitedHealthcare. A $10,000 deductible plan reduces the rate to $172 (Companion Life). And like all temporary plans, it is available at any time, both before, during, and after Open Enrollment. If necessary, you can delete specific applicants off the policy and retain coverage for the others. However, once the policy is canceled, you must re-apply and qualify for approval.

 

UnitedHealthcare ST Plans
 

UnitedHealthcare has a unique and flexible approach to this type of need. Four plans are available, so that all situations can be addressed. Typically, UHC's rates are among the lowest available in all parts of the state. They are one of the largest carriers in the US to offer temporary plans. Thus, if you need to be treated out-of-state, generally, you will easily find a hospital in most areas. Additional doctors, specialists, and additional medical facilities are also available. The Choice Plus network provides broad-provider coverage on ST plans. The four available plans are briefly described below:
 

Value -- The least expensive option, although prescription drug benefits are not included. An Rx discount card is provided, with approximate savings of 20%-25%. Available deductibles are $1,000, $1,500, $2,500, $5,000, and $10,000. The only coinsurance option is 30% (up to $5,000 or $10,000 per term/cause). Mental disorder and substance abuse benefits are not included. Office visits are subject to 30% coinsurance after deductible has been met. The lifetime maximum benefit is $1 million, and 30-92 days of coverage is available.
 

Plus -- Slightly more expensive than Value plan. Prescription drug coverage provided after the deductible has been met with Preferred Price Card (limit of $3,000 per person per term). An optional $20 generic drug copay is offered. Available deductibles are $1,000, $1,500, $2,500, $5,000, and $10,000. The only coinsurance options are 20% or 30% (up to $2,000 or $5,000 per term/cause). Limited mental disorder and substance abuse benefits are included after the deductible. Office visits are subject to 20% or 30% coinsurance after deductible has been met. The lifetime maximum benefit is $1 million, and 30-92 days of coverage is available.
 

Copay Value -- Least -expensive plan with office visit copays. Drug benefits are not included. An Rx discount card is provided and a $20 generic drug copay is offered. Available deductibles are $1,000, $1,500, $2,500, $5,000, and $10,000. The only coinsurance option is 30% (up to $10,000 per term/cause). Mental disorder and substance abuse benefits are not included. Two or four office visits (per person per term) are covered with a $50 copay. Additional visits must meet deductible and copay. The lifetime maximum benefit is $1 million, and 30-92 days of coverage is available.
 

Copay -- Most expensive plan. Prescription drug coverage provided after the deductible has been met with Preferred Price Card (limit of $3,000 per person per term). $20 generic drug copay is offered. Available deductibles are $1,000, $1,500, $2,500, $5,000, and $10,000. The only coinsurance options are 20% or 30% (up to $2,000 or $5,000 per term/cause). Limited mental disorder and substance abuse benefits are included after the deductible. Two office visits (per person per term) are covered with a $50 copay. Additional visits must meet deductible and copay. The lifetime maximum benefit is $1 million, and 30-92 days of coverage is available.
 

Four add-on prescription drug options are offered:

4-Tier Rx Coverage -- Tier 1 drugs $20 copay with no deductible. Tier 2-4 drugs have $500 deductible per term. Tier 2, 3, and 4 copays are $40, $75, and 40%. $3,000 maximum benefit per term.

Add A Generic $20 Rx Copay -- $20 generic drug copay. $3,000 maximum benefit per term.

Remove Rx Coverage -- Rate reduces. Discount card provided.

Add Rx Coverage -- 30% coinsurance after deductible is met. $3,000 maximum benefit per term.
 

Additional benefits covered under UHC short-term plans include ambulance services, autism spectrum disorders, dental anesthesia in a hospital, diabetes equipment supplies, and services, diagnostic testing, durable medical equipment, home health care, hospital services, medical supplies, newborn care, outpatient surgery, prescription drugs, preventative care, prosthetics, spine and back disorders, therapeutic treatment, and a transplant expense benefit.
 

Sample Short-Term Health Insurance Rates (Monthly) In Virginia
 

30-Year-Old Female Fairfax County
 

$63 -- Companion Life Economy 10000 -- $10,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan.

$76 -- UnitedHealthcare Short Term Medical Value -- $10,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$73 -- Companion Life Economy 5000 -- $5,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan.

$82 -- Companion Life Choice 5000 -- $5,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Office visit coverage included.

$106 -- Everest Flex $2,500 50/50% -- $2,500 deductible with $1 million maximum benefits, and 50% coinsurance. $20 application fee. Indemnity plan. $50 pcp and specialist office visit copay.

$112 -- UnitedHealthcare Short Term Medical Value -- $2,500 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$115 -- Companion Life Choice 2000 -- $2,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Office visit coverage included.

$128 -- Everest Flex $1,000 50/50% -- $1,000 deductible with $1 million maximum benefits, and 50% coinsurance. $20 application fee. Indemnity plan. $50 pcp and specialist office visit copay.

$131 -- UnitedHealthcare Short Term Medical Plus -- $2,500 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.

$156 -- Companion Life Deluxe 2500 -- $2,500 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Prescription drug benefits included. Office visit coverage also included.

$167 -- UnitedHealthcare Short Term Medical Value -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$197 -- UnitedHealthcare Short Term Medical Plus -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.

30-Year-Old Married Couple Fairfax County
 

$95 -- Companion Life Economy 10000 -- $10,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan.

$114 -- Companion Life Economy 5000 -- $5,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan.

$123 -- UnitedHealthcare Short Term Medical Value -- $10,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$128 -- Companion Life Choice 5000 -- $5,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Office visit coverage included.

$183 -- Everest Flex $2,500 50/50% -- $2,500 deductible with $1 million maximum benefits, and 50% coinsurance. $20 application fee. Indemnity plan. $50 pcp and specialist office visit copay.

$184 -- UnitedHealthcare Short Term Medical Value -- $2,500 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$188 -- Companion Life Choice 2000 -- $2,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Office visit coverage included.

$216 -- UnitedHealthcare Short Term Medical Plus -- $2,500 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.

$223 -- Everest Flex $1,000 50/50% -- $1,000 deductible with $1 million maximum benefits, and 50% coinsurance. $20 application fee. Indemnity plan. $50 pcp and specialist office visit copay.

$255 -- Everest Flex $1,000 80/20% -- $1,000 deductible with $1 million maximum benefits, and 20% coinsurance. $20 application fee. Indemnity plan. $50 pcp and specialist office visit copay.

$277 -- UnitedHealthcare Short Term Medical Value -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$327 -- UnitedHealthcare Short Term Medical Plus -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.

40-Year-Old Male Prince William County
 

$76 -- Companion Life Economy 10000 -- $10,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan.

$88 -- UnitedHealthcare Short Term Medical Value -- $10,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$90 -- Companion Life Economy 5000 -- $5,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan.

$100 -- Companion Life Choice 5000 -- $5,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Office visit coverage included.

$106 -- UnitedHealthcare Short Term Medical Value -- $2,500 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$145 -- Companion Life Choice 2000 -- $2,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Office visit coverage included.

$152 -- UnitedHealthcare Short Term Medical Plus -- $2,500 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.

$179 -- Companion Life Deluxe 2500 -- $2,500 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Prescription drug benefits included. Office visit coverage also included.

$194 -- UnitedHealthcare Short Term Medical Value -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$228 -- UnitedHealthcare Short Term Medical Plus -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.

40-Year-Old Married Couple With One Child Prince William County
 

$172 -- Companion Life Economy 10000 -- $10,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan.

$178 -- UnitedHealthcare Short Term Medical Value -- $10,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$210 -- Companion Life Economy 5000 -- $5,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan.

$238 -- Companion Life Choice 5000 -- $5,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Office visit coverage included.

$269 -- UnitedHealthcare Short Term Medical Value -- $2,500 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$317 -- UnitedHealthcare Short Term Medical Plus -- $2,500 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.

$358 -- Companion Life Choice 2000 -- $2,000 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Office visit coverage included.

$409 -- UnitedHealthcare Short Term Medical Value -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$454 -- Companion Life Deluxe 2500 -- $2,500 deductible with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. Indemnity plan. Prescription drug benefits included. Office visit coverage also included.

$483 -- UnitedHealthcare Short Term Medical Plus -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.
 

50-Year-Old Female Loudoun County
 

$114 -- Companion Life Economy 10000 -- $10,000 deductible (per cause) with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee.

$135 -- UnitedHealthcare Short Term Medical Value -- $10,000 deductible (per cause) with $1 million maximum benefits, and 30% coinsurance. $20 application fee.

$138 -- Companion Life Economy 5000 -- $5,000 deductible (per cause) with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee.

$156 -- Companion Life Choice 5000 -- $5,000 deductible (per cause) with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. $30 and $60 office visit copays not subject to a deductible.

$164 -- UnitedHealthcare Short Term Medical Value -- $5,000 deductible (per cause) with $1 million maximum benefits, and 30% coinsurance. $20 application fee.

$203 -- UnitedHealthcare Short Term Medical Value -- $2,500 deductible (per cause) with $1 million maximum benefits, and 30% coinsurance. $20 application fee.

$230 -- Companion Life Choice 2000 -- $2,000 deductible (per cause) with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. $30 and $60 office visit copays not subject to a deductible.

$239 -- UnitedHealthcare Short Term Medical Plus -- $2,500 deductible (per cause) with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included.

$307 -- UnitedHealthcare Short Term Medical Value -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$362 -- UnitedHealthcare Short Term Medical Plus -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.
 

50-Year-Old Married Couple With Two Children Loudoun County
 

$258 -- Companion Life Economy 10000 -- $10,000 deductible (per cause) with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee.

$282 -- UnitedHealthcare Short Term Medical Value -- $10,000 deductible (per cause) with $1 million maximum benefits, and 30% coinsurance. $20 application fee.

$317 -- Companion Life Economy 5000 -- $5,000 deductible (per cause) with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee.

$345 -- UnitedHealthcare Short Term Medical Value -- $5,000 deductible (per cause) with $1 million maximum benefits, and 30% coinsurance. $20 application fee.

$362 -- Companion Life Choice 5000 -- $5,000 deductible (per cause) with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. $30 and $60 office visit copays not subject to a deductible.

$429 -- UnitedHealthcare Short Term Medical Value -- $2,500 deductible (per cause) with $1 million maximum benefits, and 30% coinsurance. $20 application fee.

$507 -- UnitedHealthcare Short Term Medical Plus -- $2,500 deductible (per cause) with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included.

$550 -- Companion Life Choice 2000 -- $2,000 deductible (per cause) with $1 million maximum benefits, and 20% coinsurance. $19.95 application fee. $30 and $60 office visit copays not subject to a deductible.

$656 -- UnitedHealthcare Short Term Medical Value -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. PPO plan. Office visit coverage included.

$776 -- UnitedHealthcare Short Term Medical Plus -- $1,000 deductible with $1 million maximum benefits, and 30% coinsurance. $20 application fee. Prescription drug benefits included. Office visit coverage also included.