North American Health Plans/Aspen Insurance Short Term Medical
North American Health Plans (NAHP) has partnered with Aspen Insurance to create a Short Term Medical plan offered exclusively through NAHP approved agents and advisors. The NAHP/Aspen STM plans are available in 22 states (including D.C.).
The NAHP/Aspen STM plans provide an excellent base of protection. However, Short term medical (STM) plans do not cover all the services/treatments mandated under Obamacare (e.g. maternity, preventive care, outpatient mental health services and prescription drugs) and they do not cover any pre-existing conditions.
Therefore, to enhance your overall coverage, U.S. Insurance Solutions offers several supplemental benefits. You can also add any or all the following supplemental benefits available on our US Supplemental Coverage page to make your overall plan as comprehensive as you want:
- Accident Protection Plans
- Critical Illness Plans
- Cancer Treatment Plans
- First Day Hospital/ICU Stay Protection
- 100% Preventive Care (Per ACA/Obamacare guidelines)
- Prescription Drug coverage
- Dental and Vision
- Life Insurance
The NAHP/Aspen STM plans cover 70%, 80% or 100% of covered expenses after the deductible, including doctor office visit fees, diagnostic testing, and hospitalization and surgery.
NAHP/Aspen STM plans include...
- Up to $1.5 million coverage period maximum
- Coverage terms from 30 days to 36 months (in selected states)
- Five deductible options from $1,000 to $10,000
- Choice of $0 (100% plans), $2,000, $5,000 or $10,000 coinsurance out of pocket maximum after deductible
- Unlimited $40 doctor office visit copay
- Unlimited $40 urgent care visits copay
- $50 copay for wellness visits
- Child-only coverage available (ages 2-17)
- Optional Pre-existing condition coverage
For more details see the NAHP/Aspen Brochure (coming soon)
PPO Network Combined with Reference Based Pricing Payment Model
NAHP/Aspen STM plans use a combination of PPO network coverage and Reference Based Pricing for payments to healthcare providers.
Practitioner & Ancillary:
Persons insured under this plan may choose to be treated within, or out of, the PHCS network. This membership entitles your clients access to doctors and hospital facilities who have contracted to provide specific medical care at negotiated prices. PHCS Network applies to outpatient physicians only. Locate providers in the PHCS Practicioner and Ancillary Only network by visiting:
Inpatient and Outpatient benefit amounts are payable at 150% of the Medicare Rate for all facility charges.
NAHP/Aspen Plans Availability by State and Plan Duration's
NAHP/Aspen STM plan availability by state is as follows:
AZ, DC, DE, FL, GA, IN, KY, LA, MO, MS, NC, ND, NE, NV, OH, OK, SC, TN, TX, VA, WI, WV, WY
Plan duration's for all NAHP/Aspen STM plans by state are as follows:
States with plans available for up to 364 days per policy:
AZ, DC, DE, FL, GA, IN, KY, LA, MS, NC, ND, NE, OK, OH, SC (11-month plans), TN, TX, VA, WI, WV, WY
States with up to three (3) back to back 364-day policies available:
AZ, DC, DE, FL, GA, IN, KY, LA, MS, NC, ND, NE, OK, OH, SC (3 11-month plans), TN, TX, VA, WI, WV, WY
States with six (6) back to back 6-month policies available:
States with 90 to 180-day plans (and limitations):
NV – (Limited to 180 days of coverage, then individual must wait 180 days from the termination of the last short term policy before enrolling again).
Additional Benefits Included in the NAHP/Aspen STM Plans
SingleCare can save you up to 80% on prescriptions, and on average, our prices are 45% lower than retail. In many cases, less than the cost through an insurance plan. You only pay for the prescriptions you need, at the pharmacy of your choice.
The Rx Helpline is a prescription savings program that helps you save money on your prescription medications.
Personalized Assistance – Review all possible savings with one of our specialized advocates.
Real Savings – The average member saves on 2 brand-name and 2.5 generic medications.
Instant Access – Receive immediate access to every national cost-saving program for all brand name and generic medications.
Karis360’s team of expert Patient Advisors work with members to assist in navigating the confusing and expensive world of healthcare, taking the hassle out of healthcare and saving them valuable time and money.
Teladoc is a national network of board-certified doctors providing cross-coverage consultations via phone or video 24/7/365. Teladoc doctors use the member’s personal medical record and telephone and/or video consultations to diagnose, recommend treatment, and write short-term prescriptions when appropriate. There is a one-time registration fee of $10 per person required before the first consultation.
NAHP/Aspen Short Term Medical Quote and Apply Online
The easiest way to apply is through NAHP/Aspen's secure online application. We will provide the application link as soon as it is available.
See if one of our alternative health plan solutions is right for you
If you would like to discuss your health insurance options to see if one of these NAHP/Aspen STM plans (combined with a Fixed Benefit plan and/or our other US Supplemental Plans) are right for you, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.