Short-Term & Supplemental Health Plans — Flexible Protection When You Need It

Short-Term Health Insurance

Short-term medical plans provide temporary coverage — usually for a few months up to a year (depending on Arizona rules).

They can help you stay protected if you're in a transition period, but it’s important to know:

•  Pros: Lower monthly premiums, fast approval
• Cons: No coverage for pre-existing conditions, does not meet ACA requirements, limited benefits
  
  

Short-term plans work best for healthy individuals needing quick, basic coverage — not as a long-term solution.

Hospital Indemnity Insurance

These plans pay a set cash benefit for each day you're hospitalized or for specific medical events.

Hospital indemnity coverage is especially popular with people who have Medicare Advantage plans or high-deductible policies because it helps offset large unexpected bills.

I often recommend this option for clients who want added peace of mind against major hospital expenses.

Critical Illness & Cancer Insurance

If you’re diagnosed with a serious illness like cancer or experience a heart attack or stroke, these plans pay a lump-sum cash benefit directly to you.

You can use this money however you need:

• Cover medical bills
  
• Replace lost income during treatment
  
• Pay for travel or extra family support
  
  

This type of plan is worth considering if you have a family history of certain conditions or want an extra layer of financial security.

Accident Insurance

Accident plans provide cash payments if you're injured — whether from a fall, sports injury, or car accident.



This benefit can help with deductibles, ER visits, or recovery-related costs.

They’re often used alongside a primary health plan to reduce surprise expenses when life throws you a curveball.

How I Can Help

I understands that every person’s health and financial needs are unique. He will:

• Explain if and when supplemental or short-term options make sense — I help you understand whether these plans are a smart fit for your current situation, so you avoid unnecessary costs and stay protected exactly when you need it.
• Compare plan benefits and costs side by side — I clearly lay out your options, helping you see exactly what each plan covers and what it costs, so you can make an informed, confident choice without any guesswork.
• Ensure you don’t pay for coverage you don’t need — By tailoring recommendations to your actual needs and budget, I make sure you only pay for what truly protects you — and nothing extra.

His goal is to help you feel confident and fully informed — without any sales pressure.