Are You Ready for Your Free Companion Life Quote?
We Have Agents Ready To Take Your Call. Call Us NowRequest a Free QuoteCompanion Life Short-Term Health Insurance: Classic, Choice, Core and Quantum PPO
Companion Life short-term health insurance bridges gaps between jobs, before Medicare or after open enrollment. In addition, Vivnaβs licensed agents compare Classic, Choice, Core and Quantum PPO for you. So you get fast coverage at the right price.
- Open access plans that let you see any licensed provider
- Quantum PPO with access to the Cigna PPO network
- A+ (Superior) financial strength rating from AM Best
Vivna Insurance is an independent, licensed insurance agency offering Companion Life products. This website is operated by Vivna Insurance β not by Companion Life or its affiliates. Companion Life plans are offered through licensed Vivna Insurance agents in states where coverage is available. All plan information, quotes, and enrollment assistance provided on this page are facilitated by licensed Vivna Insurance agents. For details specific to your situation, speak with a licensed Vivna agent at 888-730-6001. See our Privacy Policy for how we handle your information.
β οΈ Short-Term Plans Are Not ACA Coverage
Companion Life short-term plans cost less than many ACA plans, but they work differently. For example, they use health questions and can exclude preexisting conditions. Also, they do not qualify for premium tax credits.
First, you must answer No to every health question on the application.
Then note the waits, such as 3 days for illness and 30 days for cancer.
Next, choose a coverage length allowed in your state.
Finally, line up your next plan before your term ends.
Because short-term rules vary by state, an honest comparison matters. We compare short-term health insurance, ACA health plans, and our Companion Life Short-Term FAQ library can answer the rest.
π³ How Companion Life Short-Term Health Insurance Works
Companion Life short-term health insurance starts with one choice: any doctor or a network. For example, Classic and Choice let you see any licensed provider. Meanwhile, Core and Quantum PPO add negotiated network rates.
Because these plans use health questions, they fit healthy people with a temporary gap. So our licensed agents compare them with ACA plans first. Call 888-730-6001 at no cost.
πͺ How to Use Your Plan
First, choose Classic, Choice, Core or Quantum PPO.
Then match the deductible and maximum to your budget.
Also, you must answer No to every health question.
Finally, coverage starts on the date shown on your ID card.
π‘ Who Benefits Most
- πΌ People between jobs or waiting for employer benefits
- π Young adults aging off a parentβs plan
- π Anyone who missed open enrollment
- π± Early retirees bridging the gap to Medicare
π§ Companion Life Plans We Help You Compare
β Why Work With Vivna
Companion Life holds an A+ (Superior) rating from AM Best, and its short-term lineup is broad. Therefore, we match it against UnitedHealthcare, Pan-American Life and North River before you choose. Learn more in our short-term health insurance guide and add-ons FAQ library, or visit our Companion Life Short-Term FAQ library. When you are ready, call 888-730-6001 or request a free quote.
π€ Compare Companion Life With Top Carriers
In fact, Companion Life is one of several short-term carriers we represent. So compare it side by side with these names before you decide.
Carrier and plan availability vary by state. Call 888-730-6001 to see whatβs available where you live.
πΊοΈ Find Companion Life Coverage in Your State
Companion Life short-term plans are sold only in select states, and plan designs vary by state. So click your state to see your short-term and ACA options.
π Browse All State Guides
Alabama Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington, D.C. West Virginia Wisconsin Wyoming
Not sure which plan fits? A licensed agent can compare options in your state at no cost. Call 888-730-6001 today.
β Companion Life short-term health insurance FAQs
Companion Life short-term health insurance covers gaps fast. Below, our licensed agents answer the questions people ask most about its plans, costs and enrollment.
π‘οΈ Companion Life Basics
What is Companion Life?
Companion Life Insurance Company is based in Columbia, South Carolina. It has specialized in insurance benefits for more than 50 years. Also, AM Best rates it A+ (Superior). See our short-term health insurance guide.
Is Companion Life short-term coverage the same as an ACA plan?
No. Short-term plans have fewer benefits and federal protections. For example, they can exclude preexisting conditions and do not qualify for subsidies. Compare both on our health insurance page.
Who should consider a Companion Life short-term plan?
People with a temporary gap fit best. For example, you might be between jobs or waiting for employer benefits. However, you must answer No to every health question.
π©Ί Plans and Networks
What short-term plans does Companion Life offer?
Companion Life offers Classic, Choice 12-month, Core and Quantum PPO. Classic and Choice have no network. Meanwhile, Core uses First Health and Quantum PPO uses the Cigna PPO network. See our Companion Life Short-Term FAQ library.
Can I see any doctor on a Companion Life plan?
Yes, on Classic and Choice plans you can see any licensed provider. Core members can also see any provider. However, Core adds negotiated First Health rates.
Does Companion Life include telemedicine?
Yes. Plans include free, unlimited 24/7 telemedicine as a non-insurance benefit. In addition, members get prescription and hearing discounts.
π€ Costs and Enrollment
How long can I keep a Companion Life short-term plan?
It depends on the plan and your state. For example, Choice is built for 12 months. A licensed agent can confirm the lengths offered where you live.
Answers are general, and plan details vary by carrier and state. Call 888-730-6001 to confirm your options.
Companion Life FAQ Libraries
Want more detail on one Companion Life plan? Each library below covers a single topic. Also, every answer shows where it applies. For free help, call 888-730-6001.
Companion Life Short-Term Plans
Classic, Choice and Core coverage, networks and state rules.
Explore answers βQuantum PPO and SureCare
Quantum PPO answers, plus a side-by-side with SureCare.
Explore answers βAdd-Ons, Dental and Supplemental
FlexProtect, Brilliant Dental, Latitude and short-term options by state.
Explore answers βπ Companion Life Short-Term Insurance Tips & Guides
Coverage decisions are easier when you know the basics. So our licensed agents write these guides to explain your options, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6001 anytime.
π More Companion Life Short-Term Insurance Guides
𧩠Related Coverage & FAQs
π Questions About Companion Life Short-Term Health Insurance?
Companion Life short-term health insurance comes in several designs. The right one depends on your doctors, budget and state. Therefore, our licensed agents compare every option for you.
Best of all, our help costs you nothing. Request your free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.
- π 888-730-6001
- βοΈ memberservices@vivna.net
- π Deerfield Beach, Florida
Official resources: the Companion Life official website, HealthCare.gov, and the National Association of Insurance Commissioners.