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Individual Insurance

for individuals and families


When circumstances leave you temporarily uninsured, short term medical insurance plans helps protect you during coverage gaps.

Short-term medical coverage is available in most states for 30 to 90 days.

Short-term medical insurance is not a substitute for a major medical plan that meets the minimum essential coverage levels as defined by the Patient Protection and Affordable Care Act, also known as ACA. It can, however, offer financial protection in the event of an unexpected injury or illness while you are waiting for coverage to begin under an ACA-qualified plan.


Pick a network plan, or not

  • Choose a PPO network plan with access to more than 130,000 providers nationwide that may save you money (not available in all states)

  • Choose an indemnity plan and use the provider of your choice

Decide how much coverage you need

  • Coverage for a range of services, from cleanings and fluoride treatments to root canals and oral surgery, depending on the plan selected

Bundle vision with dental for more protection

  • Bundle dental and vision insurance together in one seamless plan (not available in all states)



Your major medical plan could leave you responsible for as much as $6,350 (1) in out-of-pocket expenses in the case of a serious accident or illness.


Metal Gap offers options to complement your health plan in the event of a covered illness or accident.


Accident and critical illness benefits allow you to focus on your number one priority: getting better. Metal Gap provides benefits for covered accidents up to the selected maximum amount, minus the deductible, or the actual expense you incur, whichever is less. It provides a lump sum payment that is sent directly to you and can be used for anything you choose, including:


• Out-of-pocket expenses

• Prescriptions

• Experimental procedures

• Living expenses

• Lost wages


Life insurance can provide financial protection for your family, should the worst happen to you. But what if a serious accident or illness leaves you unable to work and unable to pay your medical bills?


Critical illnesses and serious accidents are frightening enough before they leave you with the financial fallout of reaching your deductible or the cost of medical treatments your major medical policy doesn’t cover.

(1) Based on 2015 maximum out-of-pocket allowable on an ACA-compliant plan.

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