1 year of coverage from three carriers. New regulation require 3 carrieres to reach a year of coverage. Read more about new federal regulation requirements here
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† Family out-of-pocket deductible limit is three deductibles per family, per coverage period.
** Emergency Room Deductible: An additional deductible is payable if not admitted to the hospital, in addition to the standard deductible and coinsurance apply.
*** Outpatient Surgical Facility Deductible: an additional deductible applied to the facility bill.
Michigan’s nonopioid directive form is available at this link.
Medical plans underwritten by Companion Life Insurance Company , North River Insurance Company , Pan-American Life Insurance Company.
ACA enrollment availability varies by state. Short-term health insurance can be purchased at any time.
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.
This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.
Underwritten by Pan-American Life Insurance Company
ACA enrollment availability varies by state. Short-term health insurance can be purchased at any time.
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.
This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.
Limited Benefits-Please read your Certificate carefully
Coverage is non-renewable short term limited duration insurance and will not be renewed at the end of the coverage period.
This is a brief description of coverage provided under the Certificate of Insurance and is subject to the terms, conditions, limitations and exclusions of the Certificate of Insurance. Please see the Certificate of Insurance for complete details. Coverage may vary or may not be available in all states. Plans are underwritten by The North River Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
ACA enrollment availability varies by state. Short-term health insurance can be purchased at any time.
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.
This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.
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.
About the Cigna PPO Network
Pivot Health is an independent company and is not an affiliate of Cigna. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo and other Cigna marks are owned by Cigna Intellectual Property, Inc.
† The Cigna PPO Network refers to the network of providers (doctors, hospitals, specialists) contracted as part of the Cigna PPO Network for Shared Administration, provider counts as of November 1, 2018. Data is subject to change.
†† Average discount based on actual paid claims for the period 1/1/17–12/31/17. Cigna analysis conducted in November 2018. Actual results may vary based on utilization, plan design and geography. Cigna analysis of the actual number of doctors in the PPO Network as of November 1, 2018. Data is subject to change.
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