Members Medicare Providers Employers Agents MENU Shop Resources Find care Support SEARCH SIGN IN Looking for insurance Individual and family plans Medicare plans Dental and Vision plans Health plans for travelers Other coverage options Limited duration plans Limited duration health insurance plans Our limited duration plans, Complete, Complete Plus and Short Term, provide affordable coverage for the length of time you need it. Compare the key benefits of each plan below. Complete and Complete Plus plans Comprehensive coverage that provides the choice between single-term (up to 12 months) or renewable-term (up to 36 months) plans. Provides predictable copays for primary care doctors with some plan options also featuring copays for specialists Features affordable monthly premiums Includes prescription drug coverage Shop Complete & Complete Plus plans Short Term plans Basic coverage for 30 to 88 days to protect against catastrophic medical expenses. Protects against the high costs of unexpected illnesses, diseases or accidents with $1 million in benefits per covered member Features one simple payment to cover the entire term of the policy Can be effective almost immediately Shop Short Term plans Benefits at a glance Short Term Complete Complete Plus Duration 30-88 Days Single-term or renewable-term* Single-term or renewable-term* Deductible $500 or $1,000 $1,000, $2,500, $5,000, $7,500 $500, $1,000, $2,500, $5,000 Coinsurance 20% 20% or 30% 20% Coinsurance Maximum $2,000 $3,500 $2,500 Maximum Policy Benefit $1,000,000 Per Person $1,000,000 Per Person $1,000 000 Per Person Total Prescription Drug Cap Not covered $1,000 per member per policy term $1,000 per member per policy term Pre-Existing Conditions Not covered Covered Covered Maternity Not covered Not covered Not covered Payment Method One-time lump payment Monthly bank draft or autopay Monthly bank draft or autopay Plan Premium Comparison $ $$ $$$ You Pay Primary Care Physician Deductible/Coinsurance $30 copay $20 copay Specialist Copays Deductible/Coinsurance Deductible/Coinsurance Copays Prescription Drugs (Benefits cease after Total Prescription Drug Cap is reached) Not covered Deductible/Coinsurance $20 preferred generic copay, $50 non-preferred generic copay, $75 brand copay Children's Preventive Care 0% 0% 0% Essential Wellness Care 100% 0% 0% Emergency Room Deductible/Coinsurance Deductible/Coinsurance $250 Copay Inpatient & Outpatient (Hospital and Surgical)** Deductible/Coinsurance Deductible/Coinsurance Deductible/Coinsurance Mental Health & Substance Abuse Not covered $30 Copay for 3 covered visits $20 Copay for 3 covered visits Shop Short Term plans Shop Complete plans Shop Complete Plus plans *Single-term plans provide health insurance coverage for less than 12 months. These plans expire one minute before midnight on the last day of the twelfth month of the plan. Once the single-term plan expires, you do not have the option to renew the plan again. Renewable-term plans provide health insurance coverage that automatically renews each year and provides you a total length of coverage lasting up to 36 months **Excludes Mental Health and Substance Abuse Differences between Limited Duration Plans and ACA (Affordable Care Act) Plans Limited Duration Plans (not ACA-compliant) ACA Coverage Can I buy it year-round at any time? Yes No Can I be declined because of pre-existing conditions? Yes No Does it cover maternity care? No Yes Does it cover prescription drugs? Varies by plan Yes Can I use a government subsidy to purchase it? No Yes Does the plan automatically renew every year? Varies by plan Yes This chart only provides general information about plan types. The specific details of any particular plan may vary. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Call us 800-392-2583 ArkansasBlue welcome centers Stop by or schedule an appointment with our friendly insurance experts at our ArkansasBlue welcome centers. 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