Affordable temporary health coverage
A short term health plan provides instant protection at a low price. Consider short term coverage if you’re:
- Between jobs or just out of school
- Waiting for employer-provided group insurance to take effect
- Waiting for approval for comprehensive health care coverage
With HealthPartners, you have two options for short term coverage: Original Short Term and Link90. There are benefits to each plan, depending on your needs.
Original Short Term
- Coverage is available for 30-, 60- and 90-day periods.
- You can choose from four deductible options, ranging from $300 to $2,000.
- You can access our more than 700,000 providers and 5,800 hospitals nationwide and there are no referrals to see a specialist.
Link90
- Completely paperless, online product — everything you need at your fingertips!
- Coverage is available for 90 days and you can choose from $500 or $2,000 deductible options.
- You get three free visits to virtuwell® our 24/7 online clinic. If you need in-person care, you can go to any of the HealthPartners Clinics in the Twin Cities area.
- Plus, once enrolled, you have access to a voucher for up to 70 percent off a comprehensive dental exam!
Ready to find out your rates and apply for instant coverage?
Click "Price short-term plans" in the column at right to get started. After you select Original Short Term or Link90, enter your information, and you’ll get a list of personalized monthly premium options based on the current rates. From there, it’s easy to finish the application and pay online!
As soon as your application is approved and you provide payment for your premium (first month’s premium for Original, and 90 day premium for Link90), you’re covered. You could have coverage in as little as one day.
Please note that applicants under the age of 19 need to fill out a paper application: Original Short Term Medical Coverage Application. (Link90 policyholders must be between the ages of 19 and 64.)
Need more details?
Download plan information here:
- Original Short Term Overview and Summary of Benefits (2 pages)
- Full Original Short Term Brochure (12 pages):
- Link90 Individual Plan Summary of Benefits and Rates (5 pages)
Original Short Term | Link90 | |
|---|---|---|
Monthly premiums | Starting at $34 | Starting at $32 |
Deductible options | Per Person — Single or Family coverage: $300 $500 $1,000 | Per Person — Single coverage only: $500 |
Deductible options | Per Person — Single or Family coverage: $2,000 | Per Person — Single coverage only: $2,000 |
Preventive care | You Pay 100 percent (Not covered) | You Pay 100 percent (Not covered) |
virtuwell | You Pay 20 percent or nothing after deductible is met | You pay nothing for the first three visits! |
Office visits | You pay 20 percent or nothing after deductible is met | You pay 20 percent or nothing after deductible is met |
Emergency care | ||
Hospitalization | ||
Prescription drugs | You pay 20 percent or nothing after your deductible is met. Covered drugs on the PreferredRx Formulary | You pay 20 percent or nothing after deductible is met. Covered drugs on the GenericsRx Formulary |
Network | More than 700,000 providers and 5,800 hospitals nationwide | Any HealthPartners Medical Clinic in the Twin Cities area |
What is virtuwell?
Link90 offers three free visits to virtuwell each year. virtuwell is a simple, convenient tool that allows you to solve 30 everyday medical conditions such as colds, coughs, ear pain, pink eye or urinary tract infections without leaving your home.
The service features 24/7 online access to nurse practitioners, available from any computer, with no appointment necessary. After a quick online interview, you receive a personalized diagnosis, a treatment plan and, if needed, a prescription sent to the pharmacy of your choice. Satisfaction is guaranteed!