Short-Term Health Insurance Plans

Do you need short-term health insurance to protect against the medical costs of unexpected accidents or illness, or while you wait for other coverage to begin? If so, our SelecTEMP PPO® is a short-term health insurance plan that can give you one to eleven months of temporary coverage.

This is an affordable short-term health insurance plan that covers many of the most costly health care services. Key coverage and plan features include:

  • Inpatient and outpatient medical, surgical and hospital services
  • Diagnostic services
  • Emergency care
  • Office visits
  • Prescription drug coverage
  • Physical, occupational and speech therapy

With SelecTEMP PPO you can customize to your time frame and budget — select start date, length of coverage and a deductible amount

SelecTEMP PPO is your short-term health insurance solution if you are:

  • Experiencing a gap in employer coverage or can’t afford COBRA
  • Waiting for employer coverage to begin
  • Recently graduated and still seeking your dream job
  • Age 64 and about to retire, but not yet eligible for Medicare

Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.

Plan Details

SelecTEMP PPO Costs

Health insurance costs include monthly premium payments, individual/family deductibles, out-of-pocket expenses, copayments, and coinsurance. For SelecTEMP PPO plans, here’s what you can expect:

  • In-network individual deductibles ranging from $500 to $5000 — customize your plan by choosing a deductible amount that works best for your situation
  • 20 percent coinsurance for services provided in-network, after deductible and copayment of $75 (applies only to outpatient emergency care) is met
  • Out-of-pocket outpatient prescription drugs — 20 percent of costs with a $500 maximum

For more information on costs, get a quick quote or view the SelecTEMP PPO Outline of Coverage .

What's Included with SelecTEMP PPO

  • Coverage for major hospital, medical, and surgical expenses incurred as a result of a covered accident or sickness
  • Coverage for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services, and out-of-hospital care
  • Although you can go to the hospitals and doctors of your choice, your benefits under a SelecTEMP PPO plan will be higher, and your costs lower, when you use the services of participating PPO providers.
  • As with all individual Blue Cross and Blue Shield of Illinois plans, the freedom of not having to select a primary care doctor or obtain a referral to see a specialist

More Plan Details

It's important to know the features of the health plan you are considering. The Outline of Coverage provides brief descriptions of the basic details of our SelecTEMP PPO plan, as well as details on policy renewability, coverage exclusions and benefit limitations. View the SelecTEMP PPO Outline of Coverage .

Plan Renewals

Please note that the SelecTEMP PPO plan is a short-term health insurance policy that is not renewable.

In addition, to protect you and the rights of all policy holders, there are situations when this plan may be terminated:

  • Failure to pay premiums
  • The plan is discontinued (90 days notice given with an option to convert to any plan we offer)
  • Discovery of fraud or an intentional misrepresentation of facts (30 days prior written notice given)
  • If you no longer reside, live or work in an area where we are authorized to do business

For more information on plan termination, view the SelecTEMP PPO Outline of Coverage .

SelecTEMP PPO Limits

Every insurance plan has limitations. These limits are there to keep health care costs down for everyone. It's important to know the limitations of your health plan. For a list of exclusions and limitations, see the SelecTEMP PPO Outline of Coverage .

Prescription Drug Coverage

  • After you meet your deductible, your out-of-pocket cost for prescription drugs is 20 percent ($500 maximum).
  • Your benefit plan includes a mail service program that offers you the convenience of having covered maintenance medications delivered directly to you.
  • Members have access to a variety of online tools that can help you learn more about prescription drugs and manage your pharmacy benefit.

Visit the Prescription Drug section to learn more about this valuable benefit.