Short-Term & Limited Benefit Plans| Ken Locke and Associates, LLC

Low-Cost Alternative Health Insurance Plans available all year.

Ideal for those who are:

In Between Jobs or Waiting for New Benefits to Begin
Need a Low Cost Alternative to COBRA or ACA
Missed Open Enrollment and need coverage now.
Note: Short-Term Medical is not suitable for everyone. Pre-existing conditions are usually excluded, limited underwriting applies, and coverage limitations do apply. Consult with Ken Locke before purchasing, but ultimately the person purchasing the policy is responsible for reading and understanding the plan brochure, what is and is not covered, and understanding the descriptive section of limitations and exclusions.

Call 262-536-5155 to enroll over the phone

or click "Get A Quote" below to apply online.

(Online quoting available for Wisconsin and select other states, depending on carrier. Please call Ken if you are in a state other than Wisconsin).

Benefits Listed below are subject to change and vary by state.

UNITED HEALTHCARE

Nationwide UHC Choice Network.
Terms available up to one year minus one day in WI (other states may vary). Next day effective date available.
CoPay on Urgent Care not subject to deductible.
Prescription Benefit included (up to $5,000) except for Value Plan.
Up to $2 million maximum benefit
Covered Preventive services include: Routine Mammography, pap/cervical smear, Prostate Antigen Test (Age 40+, may vary by state).
Optional Supplemental Coverages including
- Accident Insurance
- Critical Illness Lump Sum
- Dental and/or Vision
- Telemedicine (Virtual Visits via Phone or PC)

NATIONAL GENERAL

Access to Aetna's National Provider Network. Click Here to Search Providers.
Plan benefit maximums range from $250,000 to $1 million.
Deductible waived on Urgent Care Visits (co-insurance may apply).
$10 copay on generic medication with Copay Enhanced PPO Plan
Next day effective date available (sickness coverage begins after 7 days, but is waived if application is more than 7 days out from effective date. Injuries and preventive care covered right away, subject to deductible).
Renewable plan option at application allows coverage up to 18 months in Wisconsin (other states may vary)
ONLY company to offer a Guarantee Issued Short-Term Plan for those not eligible for Standard Issue (lower benefit levels apply, call Ken for details).
Plan Enhancers available to boost coverage

IHC Solutions

IHC SOLUTIONS SHORT-TERM MEDICAL

Connect Plus (available in WI and some other states) is the only Short-Term Plan with limited benefits for pre-existing conditions.
All plans have office-visit copays of $50
Plan benefit maximums are $1 million for Connect Value and $2 million for Connect and Connect Plus.
Nationwide PPO with large network of providers
Up to 364 days in Wisconsin (other states may vary, call Ken for more information)
Optional Add-ons:
- Dental
- Wellness Discount Plan (Prescription Discount Card, Telemedicine and Alternative Health & Wellness)
- Gap Plan (covers out of pocket medical expenses such as deductible for claims arising for accidents, injuries and some critical illnesses)

PIVOT HEALTH SHORT-TERM MEDICAL by COMPANION LIFE

Up to 364 day terms available in most states.
Only catastrophic short-term plan that covers intercollegiate sports.
Plan benefit maximums range from $100,000-$1 million.
Copays on doctor visits and urgent care, not subject to deductible, on select plans
No network Indemnity Plan: visit any doctor or hospital
Includes prescription coverage on some plans
Vision Discount card included (save 15-30% on eye exams, lenses, frames and contacts)
Up to $1 million of maximum coverage per person
Access to Telemedicine 24/7 for $49 per visit
Option Dental Insurance plus optional vision rider available

STANDARD LIFE AND ACCIDENT INSURANCE COMPANY

Terms up to 364 days, in most states. May reapply for additional terms if needed.
No Deductible with affordable premiums. Limited Benefit Plan (pays off a schedule).
The only short-term plan available to those who are over age 65 and not receiving Medicare benefits (restrictions apply, see Ken for details).
Coverage Benefits include: Hospitalization, hospital admission, intensive care, emergency room, doctor visits, lab benefits, accidental death, fracture and burn care, critical illness and more.
Access to a nationwide PPO network (MultiPlan) with an average savings of 16-39.2%,
Additional association membership benefits including Prescription Discount Card, eDocAmerica, Identity Theft Insurance, & 24 hour Emergency Roadside Assistance & more!
Covers intercollegiate sports.
This is a limited benefit plan and is not considered catastrophic coverage. Consult with Ken for more information.
Call for more information 262-536-5155 (or Click on Get a Quote for Rates)