Individuals & Families

Short-Term Insurance

Vantage’s Short-Term plans can help bridge the gap between life events and cover the medical necessities during life’s transitions. Changes in jobs, school, and loss of health coverage may sometimes negatively impact your life.

Short-term plans may be an option for healthy individuals who are:

  • Residents of Louisiana
  • Moving from parents’ coverage
  • Losing employer group or Marketplace coverage
  • Waiting for employer group or Marketplace coverage to start
  • Waiting for the next open enrollment period
  • Not eligible for Special Enrollment period enrollment
  • Looking for an alternative to Marketplace, employer group or COBRA coverage
  • Uninsured
  • Unemployed temporarily

These Short-Term plans are limited benefit plans that provide basic healthcare coverage, such as primary care office visit, lab work, diagnostic tests, and emergency service coverage. Discounts on some prescription drugs are also included in these plans.

These plans do not cover maternity services, glasses or contacts, dental services, durable medical equipment, or end-of-life care. Please review the Certificate of Coverage located under the Documents and Forms section for a full list of covered and excluded services.

This coverage is not required to comply with certain federal marketplace 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.

The information available at this website is for informational purposes only and not for the purpose of providing legal advice. You should contact your professional advisors to obtain advice with respect to any specific issue. Vantage Health Plan is a Qualified Health Plan in the Health Insurance Marketplace.