Short-Term Health Insurance Plan

or questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”

There are many things that might cause you to lose your health insurance.

No matter the reason, you shouldn't go without coverage. Health insurance can help you avoid a major financial setback if you face a serious illness or accident.

So what are your options?

Short-term health insurance is a temporary solution for people who need coverage but can't get it through a more traditional plan.

A short-term plan can help bridge the gap for people in all kinds of situations. For example:

If you recently graduated college .

Or recently retired and are not yet eligible for Medicare.

Maybe you just got a new job and are waiting for health benefits to begin .

Or you're a part-time or temporary employee without benefits .

Or are between jobs and need an affordable alternative to COBRA.

Short-term plans may be an option if you're between Open Enrollment periods and can't get coverage .

Or are looking for an alternative to standard individual health plans.

Compared with other plans, short-term health plans usually have lower premiums.

Often, you can get covered fast--as early as the day after you apply.

You also can choose your length of coverage, from one month up to 364 days.

Some plans allow you to apply for a new short-term plan once initial coverage ends, but ultimately the total amount of time you can be covered under a short-term plan is limited.

As with most health insurance coverage, plans vary by company and some exclusions apply. Be sure to ask questions and understand the plan details and policy terms before you enroll.

Who should buy a short-term health insurance plan?

This plan is designed for Wisconsin residents who need temporary coverage:

• Recent college graduates who need temporary coverage
• Part-time or temporary employees
• Between jobs and looking for an affordable temporary alternative to COBRA
• Newly employed and waiting for health benefits to begin
• Recently retired and waiting for Medicare eligibility

How does short-term health insurance coverage work?

The WPS Short-Term Health Insurance Plan lets you choose your coverage period, from 28 days to 90 days. You can apply for a new plan when the initial one ends, but the combined coverage period cannot exceed 120 days in a 12-month period.

Top 4 reasons to choose a WPS Short-Term Health Insurance Plan

1. You can access thousands of health care providers
   The WPS Statewide Network allows you to select from thousands of top-quality health care professionals at top-tier facilities across Wisconsin.
2. You choose the deductible
   Select the amount that’s right for you, with deductible options ranging from $1,500 to $15,000.
3. You can save money
   This plan offers an affordable way to enjoy the benefits of a major medical plan at a cost that is generally lower than COBRA or a standard individual health policy.
4. You can get discounts on other services 1
   The Active&Fit Direct ™ program delivers access to 12,200+ participating fitness centers nationwide for only $28 per month (plus a $28 one-time enrollment fee and applicable taxes). Hearing Care Solutions discount program includes an annual hearing exam at no charge, fixed, discounted pricing at multiple levels of technology, and much more.

Quality Improvement Program

The Quality Improvement Program drives organizational improvement for excellence through efficiencies, increasing the competitive advantage, and building trust and recognition in the community to improve the health status, safety, and satisfaction of our customers.

1 Fitness and hearing programs are not part of the insurance policy and are offered at no additional charge for membership. Enrollment in these programs is subject to contract renewal.