What is Short Term Limited Duration Coverage?

This coverage is not required to comply with certain federal market 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 pre-existing 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.

To be enrolled in short term coverage, the contract holder must be a resident of the state of Alabama, not enrolled in Medicare or Medicaid, and not currently on a short term limited duration plan. For information about premiums, benefits, and limitations and exclusions for short term plans, please review the Benefit Booklet for Short Term Blue Limited, Short Term Blue, and Short Term Blue Plus.