Short-Term Health Insurance | Pancoast Benefits

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Short-Term Health Insurance for Life’s In-Between Moments

Not everyone fits into the health insurance calendar. Maybe you’re waiting for a new job’s benefits to kick in, recently lost coverage, or just need something to hold you over. Short term health insurance helps bridge those gaps, without breaking the bank.

At Pancoast, we help individuals across Tennessee and beyond find reliable short-term medical plans that provide real protection when you need it most.

Why Consider Short Term Coverage?

Temporary health insurance plans offer fast, flexible options that can last anywhere from one month to just under a year. They’re a smart solution for:

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People between jobs or in a new job’s waiting period

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Early retirees not yet eligible for Medicare

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College grads or young adults aging off a parent’s plan

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Self-employed workers or gig economy professionals

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Individuals who missed Open Enrollment but still want coverage now

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What You Get with Short Term Plans

Short term medical plans are designed for the “what ifs.”

Note: Short term plans typically do not cover pre-existing conditions, preventive care, or essential health benefits required by ACA plans. They are best suited for healthy individuals who need temporary protection.

When selected carefully, they can offer meaningful benefits such as:

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Next-day coverage in most cases

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Access to nationwide provider networks for doctor visits, urgent care, and more

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Affordable premiums with options to fit a variety of budgets

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Multiple plan types and deductible options to choose from

A Smarter Way to Shop

The individual insurance market can feel overwhelming, and not all short term plans are created equal. Some offer low monthly costs, but come with serious trade-offs, like limited coverage caps or confusing exclusions. We’ve reviewed the options, vetted the carriers, and know what questions to ask so you don’t have to.

At Pancoast, we’ll help you:

Compare plans and prices
Understand what’s actually covered
Avoid common pitfalls that lead to surprise bills
Find a plan that protects your health and your wallet

“Even short gaps in coverage can lead to big medical bills. We help our clients find stop-gap coverage that’s affordable, practical, and tailored to real life.”

– David Stamps, Individual Coverage Advisor at Pancoast Benefits

a color-block map of the 50 US states; the states Pancoast serves are lit up in blue (while other states remain grey). This is a visualization of information found just below the image on the page - see that copy for the states that Pancoast operates in.

Where Short Term Coverage is Available

We offer UnitedHealthOne Short Term Medical plans in the following states:

AL
AR
AZ
DE
FL
GA
IA
IL
IN
KY
LA
MI
MO
MS
NC
NE
OH
OK
PA
SC
TN
TX
VA
WI
WV
WY

If you live outside of these states, give us a call at 615-250-0831 — we’ll help you explore your options.

Frequently Asked Questions

How long can I keep a short term plan?

Most states allow you to keep a short term plan for up to four months.

Can I get short-term coverage with a pre-existing condition?

Usually not. These plans often exclude pre-existing conditions. We can help you explore other options if this applies to you.

How soon can my short term plan start?

In most cases, coverage can begin as early as the next day.

Is short term insurance Affordable Care Act compliant?

No. These plans don’t have to meet ACA standards, which is why they tend to cost less. They’re best for temporary, healthy coverage needs.

Quick Quote. Real Coverage.

If you’re healthy and need fast coverage that won’t cost a fortune, a short term plan might be the right move.

Get a Quote Now