Cox Health Plans - Short-Term Plus Medical Plans

Stay Protected

Our Short-Term Plus Plans are designed to provide you with a comprehensive package of health care benefits. With this plan you have access to coverage that includes hospital, physician, and emergency services while also providing the unique benefits of an extensive nationwide network.

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Coverage When You Need It

Our Short-Term Plus Plans give you the coverage you need with the quality you expect. Whether you need temporary gap coverage or are looking for a lengthier plan, Cox HealthPlans has you covered. With this product, you have the option to select a policy term from 30 days up to 6 months. Should you need to extend coverage past 6 months, you have the option of purchasing a reissue rider for up to an additional 6 months. Short-Term Plus Plans work much like regular health insurance in that you pay a monthly premium, have a pre-set deductible amount, and co-insurance charges. These plans have no restrictions for employment, open enrollment dates, or proof of a qualifying event that dictate your ability to obtain coverage.

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Having a great relationship with your doctor is important. All of our hospitals and clinics are staffed with outstanding physicians and specialists.

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Prescription Plans

It's important to consider the number of prescriptions you and your family have when you are looking for a new health plan.

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Is Short-Term Plus Right for You

Individuals & families looking for an affordable alternative to traditional insurance

Individuals & families who need coverage until the next Open Enrollment Period

Temporarily unemployed

Looking for COBRA alternative

Adult children losing coverage from a parent’s plan when they turn 26 years old

Recent graduates who do not have coverage under a parent’s plan

Employees without group health insurance coverage

Waiting for employer benefits to start

Short-Term Plus

This is only a brief summary of benefits, which is not intended to be comprehensive. Your Individual PPO Short-Term Plus Medical Expense Policy is the governing document for benefits information.

Details

Plan Features	In-Network Member is responsible for:	Out-of-Network Member is responsible for:
Lifetime Maximum Benefit	$1,000,000
Deductible
Per Covered Person	$1,000, $2,500 or $5,000	2x In-Network
Per Family	3x Individual Deductible	2x In-Network
Co-insurance Out-of-Pocket Maximum (not including Deductible)
Per Covered Person	$3,000	2x In-Network
Per Family	$6,000	2x In-Network
Accident Benefit Services	$1,500 paid at 100% for eligible accident expenses up to the maximum benefit within the first 30 days following an accidental injury
Inpatient Hospitalization & Outpatient Hospital Services	20%	50% U&C
Physician Services
Primary Care Physician (PCP), Specialty Care Physician (SCP)	$30 Co-pay	50% U&C
	(First 3 visits, then deductible/coinsurance applies)
Physician Telehealth Visits	$10 Co-pay	50% U&C
Physician Services not received in an office setting	20%	50% U&C
Select Preventive Health Services	$0	50% U&C
Outpatient Services
Emergency Ambulance Services	20%	20%
Emergency Services	20%	20%
Urgent Care Services	20%	50% U&C
Chiropractic Services	20%	50% U&C
Diagnostic Laboratory, Imaging and Radiology	20%	50% U&C
Outpatient Prescription Drugs	Retail (30 day supply)	Mail Order	Out-of-Network
Deductible		$1,000 (Tier 2-4)
Tier 1 - Preferred Generics	$10 Co-pay	2.5x Retail Co-pay	50% U&C
Tier 2 - Preferred Brand	$35 Co-pay	2.5x Retail Co-pay	50% U&C
Tier 3 - Non-Preferred Brand	$75 Co-pay	2.5x Retail Co-pay	50% U&C
Tier 4 - Specialty Formulary Brand	$100 Co-pay	Not Available	Not Available
Tier 5 - Preventive	$0 Co-pay	$0 Co-pay	Not Available

Optional Benefits

We have optional riders that can be combined with your policy for an additional premium.

Details

Plan Features	In-Network Member is responsible for:	Out-of-Network Member is responsible for:
Lifetime Maximum Benefit	$1,000,000
Deductible
Per Covered Person	$1,000, $2,500 or $5,000	2x In-Network
Per Family	3x Individual Deductible	2x In-Network
Co-insurance Out-of-Pocket Maximum (not including Deductible)
Per Covered Person	$3,000	2x In-Network
Per Family	$6,000	2x In-Network
Accident Benefit Services	$1,500 paid at 100% for eligible accident expenses up to the maximum benefit within the first 30 days following an accidental injury
Inpatient Hospitalization & Outpatient Hospital Services	20%	50% U&C
Physician Services
Primary Care Physician (PCP), Specialty Care Physician (SCP)	$30 Co-pay	50% U&C
	(First 3 visits, then deductible/coinsurance applies)
Physician Telehealth Visits	$10 Co-pay	50% U&C
Physician Services not received in an office setting	20%	50% U&C
Select Preventive Health Services	$0	50% U&C
Outpatient Services
Emergency Ambulance Services	20%	20%
Emergency Services	20%	20%
Urgent Care Services	20%	50% U&C
Chiropractic Services	20%	50% U&C
Diagnostic Laboratory, Imaging and Radiology	20%	50% U&C
Outpatient Prescription Drugs	Retail (30 day supply)	Mail Order	Out-of-Network
Deductible		$1,000 (Tier 2-4)
Tier 1 - Preferred Generics	$10 Co-pay	2.5x Retail Co-pay	50% U&C
Tier 2 - Preferred Brand	$35 Co-pay	2.5x Retail Co-pay	50% U&C
Tier 3 - Non-Preferred Brand	$75 Co-pay	2.5x Retail Co-pay	50% U&C
Tier 4 - Specialty Formulary Brand	$100 Co-pay	Not Available	Not Available
Tier 5 - Preventive	$0 Co-pay	$0 Co-pay	Not Available

Extensive Nationwide Provider Network

As one of Missouri's leading health insurance providers, our goal is to help you take better care of yourself and your family. As an affiliate of CoxHealth, you'll have access to one of the region's largest local provider organizations. Our network encompasses dozens of hospitals and clinics, staffed by outstanding physicians and specialists.

Details

Secure Your Coverage

Single Pay - If you know how long you'll need coverage and you have the ability to pay up front, the single payment option is your best solution. We accept single payments by check or cash.

Monthly Pay - You can choose the monthly payment option if you aren’t sure how long you'll need temporary medical coverage, or want the flexibility of spreading out your payments. We accept monthly payments by credit card, check, cash or bank draft.

Policy Term and Non-Renewability

Upon timely payment of premiums, this policy will remain in effect until the length of your policy term ends, subject to the terms of your policy. The policy term will begin at 12:01 a.m. Central Time, and will generally end on the last day of the billing period in which we receive your notice of termination. This policy cannot be renewed beyond the policy term, but you may re-apply for additional terms.

Free-Look Period

If you are not satisfied, you may cancel within 10 days after you receive coverage. All premiums paid will be refunded, minus the non-refundable application fee. This policy will then be void from its start as if no contract had been issued.

Coverage Effective Date

If coverage is approved, coverage becomes effective at 12:01 a.m. on the requested effective date, or the first day of the month following the date we receive your completed enrollment form, non-refundable application fee, and initial premium.

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 policy 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 policy 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 coverage is not minimum essential coverage.

Stay Protected

Short-Term Plus Plans PPO Application

Short-Term Plus Bank Draft Form

2023 Short-Term Plus Plans Rate Sheet

Short-Term Plus Plans Brochure

Coverage When You Need It

Find a Provider

Prescription Plans

Is Short-Term Plus Right for You

Short-Term Plus

Short-Term Plus

Plan Features

Optional Benefits

Short-Term Plus

Plan Features

Optional Benefits

Extensive Nationwide Provider Network

Option 1 - Preferred Provider Organization (PPO) Network

Secure Your Coverage