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Primary Health Plans Provided
Short Term Health Insurance
Short Term Health Insurance (STM) was introduced to the market for people who needed help covering gaps in coverage and it is not an "Obamacare" plan under the Affordable Care Act. The plans offer a range of deductibles, co-pay, and max out of pocket options to create more comprehensive or more affordable options for the insured. The duration of a STM plan is determined by the carrier and the state laws, ranging from 3 months to 12. Everyone is not eligible for STM plans, some coverages & health benefits are not covered by them, and you can be denied coverage for pre-existing conditions.
Indemnity Insurance
Some plans have names like Health Benefit Indemnity, Fixed Indemnity, and Limited Medical Indemnity. These plans have a different financial structure than traditional major medical health insurance plans and they are not major medical or Obamacare plans. Instead of co-pays and deductibles, Indemnity plans offer you "first dollar" coverage which is a cash benefit policy holders will receive if they have a doctors office or hospital visit. The coverage and benefit levels will vary for Indemnity plans and those differences will be seen in the premiums paid for the coverage. Indemnity also can include supplemental medical insurance coverage for critical illnesses or accidents, as well as non insurance supplemental health benefits such as telemedicine, insurance advocacy, and pharmacy.
Supplemental Health Products
Many Short Term and Indemnity plans will also be sold with supplemental health products, some of these are insurance products and some are not. Most commonly these are dental, vision, critical illness, emergency medical, and accidental death & dismemberment (AD&D) insurance plans. They can also be products like telemedicine for 24/7 access to medical providers, insurance advocacy services to help you take advantage of your plans, pharmacy benefits for discounted prescriptions, and other group association discounts.
Other Insurance Options
NationalFamily also works with a network of insurance providers and insurance marketing companies to help consumers find affordable options.
This site does not provide Affordable Care Act (ACA) Plans. Visit for ACA plans. Short Term Health Insurance and Health Benefit Indemnity insurance (HBI) are insurance outside of the ACA. Short Term Health Insurance and HBI do not cover pre-existing conditions and do not include all ten of the minimum essential benefits of the ACA. You may be subject to the ACA Uninsured Tax (eliminated by the Congressional Tax Reform Act starting in 2019).