Off Exchange Carriers
“Off-Exchange” is broad term that refers to health insurance and anxcillary health benefit products not sold through the health insurance exchange.
If you wish to sell off-exchange ACA compliant plans, see ACA Contracting.
Complete online: Pivot Agent Contracting
Please fill out this form and return by email
Complete online: LifeSecure Agent Contracting
Ameritas - Dental/Vision
Complete Online: Ameritas Online Contracting
Year 1: 30%
Years 2+: 2%
Different Types of Coverage
Short Term or Catastrophic Carriers
Short Term Health Insurance or Short Term Medical (STM for short) is an affordable health insurance that is meant to bridge the gap in between traditional health coverage. Those who missed open enrollment and without a qualifying event in order to purchase a traditional plan outside of open enrollment would be candidates for STM.
Short term plans provide coverage for up to 12 months. Beginning in 2020, some states allowed up to 36 months allowing you to purchase a second and third year short-term plan back to back. An additional 14 states have added short-term plan options in 2021.
Indemnity plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges. Indemnity plans are also referred to as “fee-for-service” plans.
AD&D, accident & critical illness coverage