Short Term Health Insurance

What do you do if you’re in between health insurance plans? How can you get coverage if you have a 90-day probationary period with your new employer before you can be added to their group health insurance plan? Short-term health insurance is designed to meet this particular need by providing major medical insurance coverage for a short period of time (1-12 months).

Short term health insurance typically provides major medical protection only. The goal is for you to have protection from unexpected major health expenses while you’re in between policies, and the good ones count as creditable coverage (which is important if you’re planning to join an employer-sponsored plan later). They are generally much cheaper than other health insurance options. You can see an outline of benefits on our preferred short-term health plan below.

Short term health insurance typically involves very minimal underwriting, meaning you can get in place within 24 hours. You choose how many months of coverage you want (1-12). If you live in Georgia, South Carolina, or neighboring states and are interested in short term health insurance, contact AC Forrest Insurance Group for a free quote and more information.

You can also run a quote with our preferred provider and even complete the application online to begin your coverage as soon as tomorrow.

Here’s a summary of benefits with short-term health insurance from HCC, our primary short-term health provider. (These list a few state-specific short-term health benefits in South Carolina, but the plan can be purchased in Georgia, North Carolina, and nearly every other state):

General STM Benefits South Carolina-Specific STM Benefits
  • Includes Coverage in Canada
  • Deductible Choices: $250, $500, $1,000, $2,500, $5,000 and $7,500
  • No Referrals Needed for Specialists Except Physical Therapy
  • No Primary Care Physician Required
  • Out-of-Network Coverage
  • Choice of 80/20% or 50/50% Coinsurance
  • Choice of Coverage Maximum up to $2,000,000 Lifetime
  • Hospital Inpatient Prescription Drug Coverage
  • Lab/X-ray, Emergency Room, Outpatient Surgery & Hospitalization Coverage
  • $50 copay at an urgent care center
  • Prostate Screening
  • Periodic Mammogram Screening Exams Starting at Age 35
  • Annual Pap Smear
  • Cleft Lip and Cleft Palate Treatment
  • Mental Health Coverage
  • Discount Drug Card for Prescriptions