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Your Coverage

This notice supersedes any previous federal notice
IMPORTANT: This is a short-term, limited-duration certificate, NOT comprehensive health coverage
This is a temporary limited certificate that has fewer benefits and Federal protections than other types of health insurance options, like those on HealthCare.gov.
This certificateInsurance on HealthCare.gov
Might not cover you due to preexisting health conditions like diabetes, cancer, stroke, arthritis, heart disease, mental health & substance use disordersCan't deny you coverage due to preexisting health conditions
Might not cover things like prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, physical therapy & moreCovers all essential health benefits
Might have no limit on what you pay out-of-pocket for careProtects you with limits on what you pay each year out-of-pocket for essential health benefits
You won't qualify for Federal financial help to pay premiums & out-of-pocket costsMany people qualify for Federal financial help
Doesn't have to meet Federal standards for comprehensive health coverageAll plans must meet Federal standards
Looking for comprehensive health insurance?
  • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
  • To find out if you can get health insurance through your job, or a family member's job, contact the employer.
Questions about this certificate?
For questions or complaints about this certificate, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website (naic.org) under "Insurance Departments."

Underwritten by Standard Life and Accident Insurance Company.

Plans offered are fixed benefit health coverage and are not intended to cover all medical expenses. This is not a major medical or comprehensive health policy. Benefits vary by state.

These plans are not qualifying health coverage ("minimum essential coverage") that satisfies the health coverage required of the Affordable Care Act.

This is not a Medicare supplement policy.

Dental and Vision Plans

Dental and vision products are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN, and In New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies may be reached at P.O. Box 1596, Indianapolis, IN 46206. Products may not be available in all states.

Important information about Latitude benefits

  • Plan benefits – Communicating for America, Inc. membership plans include both insurance and non-insurance benefits. Insurance benefits terminate at age 65. Non-insurance benefits continue until membership is terminated by member. Review the Plan Details and Certificate of Insurance for full details.
  • Paperless fulfillment – Your important documents, including Certificate of Insurance, can be downloaded by you at the conclusion of enrollment. If you wish to have your membership benefits including your Certificate of Insurance mailed to you, contact Communicating for America.

Insurance benefits are underwritten by Fidelity Security Life Insurance Company ® , Kansas City, MO 64111. Insurance benefits are not available in all states. Some insurance benefits, exclusions and limitations may vary by state. Policy No. AC-26; Form No. M-3044. Discounts are non-insurance benefits.

Communicating for America is a national non-profit advocacy organization that supports affordable healthcare for all Americans. Since 1972, more than 100,000 consumers have trusted CA to help them find affordable health insurance and GAP plans to stretch their healthcare dollar while advocating on their behalf with insurance companies, regulators and lawmakers.

Trustpilot

ACA enrollment availability varies by state. Short-term health insurance can be purchased at any time.

Click here for Agent Compensation Disclosure

IMPORTANT NOTICE ABOUT SHORT-TERM PLANS:
This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your Certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

Trustpilot
These plans have pre-existing limitation provisions that may prevent coverage from applying to medical conditions that existed prior to the plan effective date.

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