Pivot Health Offers Great Individual
Short-Term Medical Plans

Pivot Health Short Term Medical (STM) 
Pivot Health Short Term Medical (STM) is designed to provide great short-term coverage with benefit options equivalent to long-term coverage. STM helps cover everyday medical expenses like doctor office visits and outpatient care and, optionally, prescription drug costs.
Pivot Health Core Short Term Medical (Core STM)
Pivot Health Core Short Term Medical (Core STM) helps cover everyday medical expenses like doctor office visits and outpatient care and, optionally, prescription drug costs.
Pivot Quantum PPO Plans
Pivot Quantum PPO Plans are short-term medical, limited-duration insurance plans that utilize the Cigna PPO Network in most states.
Pivot Health Epic Short Term Medical (Epic STM)
Pivot Health Epic Short Term Medical (Epic STM) is a flexible health insurance solution designed to help address gaps in health insurance coverage created by temporary situations.

All of the above are the perfect fit for you if you are:
  • In between jobs
  • Just starting a new job and waiting for coverage
  • A college student or recent graduate with no health coverage
  • A senior looking for coverage until Medicare eligibility
  • ​Unable to qualify for or afford individual coverage or Cobra
  • Waiting for Exchange Open Enrollment

Enroll for Either STM Plan Here

Pivot Health STM includes:
  • Office visit copay plans
  • Prescription drug plans
  • Lifetime maximum options from $100,000 to $1 million
  • Option to purchase *four back-to-back 90-day coverage plans or a 364-day plan
  • Coverage available until Medicare eligibility begins
  • ID cards and Certificates of Insurance issued immediately online
Pivot Health Core STM includes:
  • Low deductibles 
  • Doctor visit copays
  • Optional Prescription coverage 
  • Access to telemedicine 24/7​
  • Fixed indemnity payments for surgeries and hospitalization
  • Option to purchase *four back-to-back 90-day coverage plans or a 364-day plan
  • Access to First Health®, a large PPO network
  • Discounts and lifestyle benefits​
Pivot Quantum PPO Plans includes:
  • Access to the Cigna PPO network
  • Up to $1 million in benefits per coverage period
  • Deductible option from $2,500 to $10,000
  • Preventive health exam
  • In-network low Rx copays 
  • Organ transplants
Pivot Health Epic includes:
  • Preventive health exams (after 3 months of coverage)
  • Child immunizations paid at 100%
  • Mammograms, OB-GYN, prostate, colon cancer screenings coverage
  • Optional prescription drug benefits on plans (including contraceptives)
  • "PPO" accessing national network; "Base" accesses RBP
  • Free and unlimited non-insurance telemedicine visits
*Depending on state regulations.

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State Availability

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Pivot Health State Availability and Coverage Durations