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Private & Short-Term Health Insurance Policy 

The annual election period for state health insurance policies commonly referred to as the "Open Enrollment Period" is from November 1st-January 15th each year.  

 

Many people just like you find themselves needing to find a health insurance policy for themselves or their families outside of this enrollment period and there are many great solutions to your needs, with private, or "short-term health" insurance companies. 

American Policy Insurers is partnered with many reputable health insurance companies such as United Healthcare, Blue Cross & Blue Shield, Allstate, Aetna, Cigna, Delta Dental, & Ameritas.

 

For help finding affordable health insurance policy quotes take action now by calling our state-licensed, and experienced insurance brokers @ (469) 772-4478.

open enrollment 2023 - see what you qualify for quick & easy with or without the help of a

REAL TESTIMONIALS FROM OUR HEALTH CLIENTS

PRIVATE HEALTH INSURANCE COMPANIES WE WORK WITH

WHAT IS A SHORT-TERM HEALTH INSURANCE POLICY USED FOR?

  • Emergency situations

(Urgent Care, Emergency Room, Accidents)

  • Visits to the local Doctor and/or Hospitals

(General Practice, Audiologist, Sexual Health, Diagnosis, Exams, Check-Ups, Laboratory Services, X-Ray, Nursing Care) 

  • Specialist Care Doctors 

(Infectious Disease, Thyroid, Endocrinologist, Dermatologists, Ophthalmologists, Obstetrician/gynecologists, Cardiologists, Gastroenterologists)

  • Long-Term Care

(Hospice, Adult Day-Care,  Assisted Living, Respite Care, In-Home Assistance, Memory Care, Skilled Nursing Facility,

Emergency Medical Alert Systems)

  • Pharmaceutical Prescription Drug Plans

(Diabetics, PDP, Medicare Part D, Medicare RX, Formulary, Pharmacy)

  • Rehabilitation

 

(Occupational, Physical Injury, Car Wrecks, Traumatic Brain Injury, Acute Care, Subacute Care, Inpatient Care, Social Functioning)

  • Pain Management

(Tissue Injury, Inflammatory, Nerve Irritation, Functional Pain, Bioelectric Therapy, Broken Bones, Cluster Headaches, Shingles)

  • Cancer Treatments & Ongoing Care

Oncologist, Chemotherapy, Targeted Therapy, Immunotherapy, Biomarker Testing, Hormone Therapy, Radiation Therapy, Stem Cell Transplant, Surgery)

  • Psychology 

(PTSD, Bi-polar, Schizophrenia, Insomnia, Anxiety, Depression, Addictions, Relationships, Trauma,) 

TYPES OF HEALTH INSURANCE POLICIES

WE CAN ASSIST WITH

  • ACA Compliant Health Insurance Plans

 Also Called "Major Medical Insurance", "Obamacare", or "The Marketplace". (HMO & PPO Networks)

     

  • Short-Term Medical Health Insurance Plans (HMO & PPO Networks)

  • Fixed Indemnity & Hospital Plans

  • Accidental Policies 

  • Cancer, Stroke, & Critical Illness Benefits

  • Supplemental Insurance Benefits 

Major Medical health insurance is known as many things but would most commonly be referred to as "Long-Term Health Care", as it can be renewed until age 65 guaranteed.

These types of policies typically come with benefits like co-pays on doctor's visits and drug prescriptions, covering pre-existing conditions and are guaranteed renewals yearly.

 

 Underwriting and premium are only based on tobacco use and age. 

FIXED BENEFITS

Fixed Benefits, also known as "fixed indemnity" health insurance plans are another great alternative to Major Medical and Short-Term Medical health insurance policies. 

These plans work just like they sound, as they pay "fixed benefits" towards the specific doctor and hospital-related services, as listed in your coverage.

 

These plans are typically backed by $1-$2,000,000 max benefits per year and can help with overnight hospital stays and emergency services. 

Short-Term health insurance can be a great alternative to Major Medical for many different types of families needing health coverage.

With some of the same big-name networks as Major medical, these PPO plans will work in any state across the country, which makes sense for many.

Underwriting and eligibility are subject to current health conditions and may come with a lookback period on those pre-existing conditions.

ACCIDENT & SICKNESS

Accident and sickness health insurance benefits are a great addition to the existing coverage, or can even be an additional alternative to having a full-coverage health insurance policy.

These policies are known as supplemental coverage and are very effective for helping you meet deductibles and out-of-pocket costs.

This is the most cost-effective health insurance solution available, and premiums amounts will vary based on what variances of coverage are added.

GET ONLINE DENTAL QUOTES FROM THE
TOP 3 DENTAL PROVIDERS IN THE COUNTRY

 HEALTH INSURANCE SERVICES WE CAN ASSIST WITH BY PHONE APPOINTMENT

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For help, choose one of the above options to talk with a licensed health insurance expert:

  • Our health insurance experts at American Policy Insurers are standing by and here to provide you with vital and important information regarding the various types of health insurance plans available in your area that you may qualify for this Open Enrollment Period.

  • We offer a variety of health insurance products, with credible health insurance carriers that all offer unique types of Short-Term, Long-Term Medical, as well as supplemental health insurance policies.

  • You will get access to a certified and licensed broker by quickly and easily submitting your info online to check if you or your business would qualify for these different types of health insurance benefits that are subject to state regulations.  

  • In certain cases, some of our clients even qualify for premium Tax Credits that can be applied to certain parts of your health insurance premiums, courtesy of the US Government, and can be explained to you by your American Policy Insurer.

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