Short-Term Health Insurance Plans

Short-term Health Insurance Overview

SelecTEMP PPO® provides temporary health coverage for you, your spouse and your children. It offers various benefit periods and deductibles to give you the control to tailor coverage, premium rates and out-of-pocket expenses according to your own needs.

SelecTEMP PPO Coverage Overview

Key features include:

  • Inpatient and outpatient medical, surgical and hospital services
  • Diagnostic services
  • Emergency care
  • Office visits
  • Childhood immunizations up to the child’s eighth birthday
  • Prescription drug coverage

SelecTEMP PPO is your short-term health insurance solution if you are:

  • Experiencing a gap in employer coverage or can’t afford COBRA
  • Waiting for employer coverage to begin
  • A recent graduate and still seeking employment
  • Age 64 and about to retire, but not yet eligible for Medicare

Who is eligible for SelecTEMP PPO?

  • Texas residents at least 60 days of age and under 65 years of age
  • Non-expectant parents
  • Unmarried dependent children at least 60 days of age and under 25 years of age
  • U.S. citizens or non-U.S. citizens living in the United States for at least two years (a copy of your Alien Registration Receipt Card must be submitted with your application)

Plan Details

SelecTEMP PPO Costs

Health insurance costs include monthly payments, individual deductibles, drug coverage deductibles, out-of-pocket expenses, copayments, and coinsurance. For SelecTEMP PPO plans, here’s what you can expect:

  • Individual deductibles for individuals ranging from $500 to $2,500*
  • Family deductibles ranging from $1,500 to $7,500*
  • Copayment of $100 for emergency room facility visit - waived if admitted to Hospital immediately following the visit. (This copayment amount applies to the facility visit only. The facility and physician services and supplies are subject to the deductible and coinsurance amount.)
  • Coinsurance — you pay 20 percent of allowable amount after deductible with a maximum of $1,000, family coverage coinsurance maximum is $3,000*
  • To see what your monthly payments would be, get a quick quote

For more information on costs, including out-of-pocket expenses, view this SelecTEMP PPO Outline of Coverage  document.

* These cost ranges represent in-network coverage only. Out-of-network coverage costs can be significantly higher. This plan uses the BlueChoice® network, which enables you to save on premiums and the cost of covered services when you use a participating hospital, doctor or specialist.

Included with SelecTEMP PPO

  • Freedom to choose doctors and hospitals (out-of-pocket expenses will be less when using the services of doctors and hospitals in the BlueChoice Network)
  • 24 hour worldwide coverage
  • Choice of deductible amount, payment type and length of benefit period (one to eleven months)
  • Prescription Drug Program (Generic, Preferred and Non-preferred drugs)
  • Mail Order Prescription Drug Program (90-day supply of covered prescription drug for two copay amounts)

More Health Insurance Plan Details

It’s important to know the features of the health insurance plan you are considering. Our Outline of Coverage documents give you brief descriptions of the basic details of SelecTEMP PPO, as well as details on renewability, exclusions and limitations. View the SelecTEMP PPO Outline of Coverage .

Prescription Drug Coverage

  • Prescription drugs and medicines (not used in a hospital) are covered up to a maximum benefit of $750 per participant per benefit period.
  • There is a separate $200 prescription program deductible that must be satisfied before benefits are available.
  • Once the deductible has been met, a copayment will apply, the amount based on whether your prescription is filled at a participating pharmacy or through the Prescription Drug Mail Service and the type of drug dispensed (generic, preferred or non-preferred).
  • You have the option to order your prescription drugs through the mail with our 90-Day Supply Program.

Visit the Prescription Drug section to learn more about this valuable benefit.

Health Insurance Plan Renewals

  • This is a single term, non-renewable, short term Contract, and is therefore not intended to be a permanent plan.
  • If you need coverage for an additional period of time, you may apply for a second SelecTEMP Contract.
  • Any condition which may have existed or occurred under the prior Contract will be a Preexisting Condition under the subsequent Contract and will not be covered under the subsequent Contract.

For more information, view this SelecTEMP PPO Outline of Coverage  document.

SelecTEMP PPO Limits

Every insurance plan has limitations. These limits are there to keep health care costs down for everyone. A pre-existing condition is just one example of a limitation. For example, a pre-existing condition will be excluded from your participation in a health insurance plan. This means your health care expenses related to a pre-existing condition will not be covered.

It’s important to know the limitations of your health insurance plan. For a full list of exclusions and limitations, see our SelecTEMP PPO Outline of Coverage  document.

View the Complete Prescription Drug List  to see if your prescriptions are included.