Short-Term Health Insurance.

To bridge the gap between traditional coverage.

Short-Term Health Insurance.

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Short-Term Personal Health Coverage

If you need health coverage to bridge the gap between the time one plan ends and another begins, we have short-term coverage options for your needs and budget.

Why Choose Blue?

  • Affordable monthly premiums
  • Renewable plans
  • Large network of providers
  • Coverage for office visits, routine services and more
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Short-term plans are designed to provide temporary coverage. Keep in mind that these plans are not compliant with the Affordable Care Act and are only intended to provide coverage for a limited time before you enroll in an individual or family plan.

Learn More about Short-Term Plans

What do I get with a short-term plan?

  • Your choice of deductible
  • Up to three months of coverage
  • A large network of doctors, hospitals and pharmacies
  • Coverage when you travel
  • No-hassle claims filing
  • On-the-go plan management through your smart phone or tablet
  • Exclusive member discounts on things like eyewear, massage therapy, acupuncture or chiropractic care

What services are covered by a short-term plan?

  • Doctor's office visits
  • Routine diagnostic services
  • Prescription medicines
  • Hospital stays
  • Emergency care and ambulance services
  • Skilled nursing facilities
  • Therapy services including physical, speech, occupational, manipulative, cardiac and pulmonary rehabilitation
  • Home health services
  • Temporomandibular Joint (TMJ) care
  • Durable medical equipment
  • Prosthetics and orthotics

These plans often require prior authorization before you can receive certain services. If you or your doctor do not get prior authorization, your care may not be covered.

What services are not covered by a short-term plan?

  • Treatment for pre-existing conditions
  • Treatment of nervous and mental disorders
  • Treatment of alcohol and substance abuse
  • Experimental or investigative treatment and services
  • Eyeglasses, contact lenses or hearing aids
  • Immunizations
  • Allergy testing

To find out more about short-term plans, call us at 1-888-744-9584, e-mail us at or call your broker for more details.

Need additional coverage?

You may apply for up to four consecutive short-term policies for a maximum total of 12 months of coverage. After that, you must wait six months before applying for additional short-term coverage. Any medical condition that occurs before or during your current short-term policy will be considered a pre-existing condition on any future short-term policy. Your short-term coverage can be extended if you are hospitalized when your coverage expires.

Save up to 50% Off

Exclusive savings on services like LASIK eye surgery, massage therapy, and much more.

Discounts With BluePerks

Why Choose Blue?

We've been there for Tennesseans since 1945 – and we'll be here for you, too.

Why Choose Blue