Plan Type database

Plan Types

Short-term plan structures compared on the four numbers that decide real payouts: duration, deductible, coinsurance and the benefit cap.

Accident 1 Bundle 1 Entry-level 3 Extended 1 Family 1 Fixed indemnity 1 Mid-market 3 Upper tier 1

Plan Type

Gap-Filler with Dental/Vision: 4 months Cover with $3,000 Deductible ($500,000 Cap)

Gap-Filler with Dental/Vision explained: 4 months term, $160–$240/month, $3,000 deductible, 25% coinsurance, $500,000 cap. Who it fits and the real worst case.

Max duration 4 monthsMonthly premium $160–$240Deductible $3,000

Plan Type

Family Short-Term: 4 months Cover with $6,000 (aggregate) Deductible ($1,000,000 Cap)

Family Short-Term explained: 4 months term, $320–$520/month, $6,000 (aggregate) deductible, 30% coinsurance, $1,000,000 cap. Who it fits and the real worst case.

Max duration 4 monthsMonthly premium $320–$520Deductible $6,000 (aggregate)

Plan Type

Short-Term Telehealth Bundle: 4 months Cover with $3,000 Deductible ($500,000 Cap)

Short-Term Telehealth Bundle explained: 4 months term, $125–$190/month, $3,000 deductible, 25% coinsurance, $500,000 cap. Who it fits and the real worst case.

Max duration 4 monthsMonthly premium $125–$190Deductible $3,000

Plan Type

Short-Term with Rx Discount: 4 months Cover with $4,000 Deductible ($250,000 Cap)

Short-Term with Rx Discount explained: 4 months term, $110–$170/month, $4,000 deductible, 30% coinsurance, $250,000 cap. Who it fits and the real worst case.

Max duration 4 monthsMonthly premium $110–$170Deductible $4,000

Plan Type

Accident-Only: 12 months Cover with $500 Deductible ($50,000 Cap)

Accident-Only explained: 12 months term, $25–$55/month, $500 deductible, 20% coinsurance, $50,000 cap. Who it fits and the real worst case.

Max duration 12 monthsMonthly premium $25–$55Deductible $500

Plan Type

Hospital-Only Fixed Indemnity: 4 months Cover with $1,500 per admission Deductible ($100,000 Cap)

Hospital-Only Fixed Indemnity explained: 4 months term, $70–$120/month, $1,500 per admission deductible, 0% after benefit coinsurance, $100,000 cap. Who it fits and the real worst case.

Max duration 4 monthsMonthly premium $70–$120Deductible $1,500 per admission

Plan Type

6-Month Extended: 6 months Cover with $3,500 Deductible ($500,000 Cap)

6-Month Extended explained: 6 months term, $180–$280/month, $3,500 deductible, 30% coinsurance, $500,000 cap. Who it fits and the real worst case.

Max duration 6 monthsMonthly premium $180–$280Deductible $3,500

Plan Type

3-Month Plus: 3 months Cover with $2,500 Deductible ($750,000 Cap)

3-Month Plus explained: 3 months term, $150–$230/month, $2,500 deductible, 25% coinsurance, $750,000 cap. Who it fits and the real worst case.

Max duration 3 monthsMonthly premium $150–$230Deductible $2,500

Plan Type

3-Month Bridge: 3 months Cover with $5,000 Deductible ($250,000 Cap)

3-Month Bridge explained: 3 months term, $90–$130/month, $5,000 deductible, 30% coinsurance, $250,000 cap. Who it fits and the real worst case.

Max duration 3 monthsMonthly premium $90–$130Deductible $5,000

Plan Type

4-Month Premium: 4 months Cover with $1,000 Deductible ($1,000,000 Cap)

4-Month Premium explained: 4 months term, $210–$320/month, $1,000 deductible, 20% coinsurance, $1,000,000 cap. Who it fits and the real worst case.

Max duration 4 monthsMonthly premium $210–$320Deductible $1,000

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