Companion Life Add-Ons FAQs: FlexProtect, Brilliant Dental, Latitude and Short-Term Options
These answers cover Companion Life add-ons like FlexProtect, plus Brilliant Dental, Brilliant Vision and Latitude. You will also find short-term options by state. Because plans vary by state, every answer shows where it applies. Call 888-730-6001 anytime for free help.
Vivna Insurance is an independent, licensed agency offering products from Companion Life, Renaissance and Fidelity Security Life. We are not any of these insurers. Supplemental and dental plans do not replace health insurance. Short-term plans are not ACA coverage. Plans and availability vary by state.
FlexProtect Basics and Eligibility
FlexProtect is a Companion Life plan that pays cash benefits. Start here to see who can buy it and where.
β What is FlexProtect supplemental insurance?
FlexProtect is a supplemental plan that pays cash benefits for accidents.
On some options, it also pays for sickness and critical illness. In addition, the cash can help with copays, deductibles and coinsurance your health plan leaves behind.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Who is the insurance company behind FlexProtect?
The insurer behind FlexProtect is Companion Life Insurance Company.
Companion Life is based in Columbia, South Carolina. In fact, it has specialized in insurance benefits for more than 50 years.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Is FlexProtect the same as health insurance?
No, FlexProtect is supplemental, limited-benefit coverage, not a comprehensive health plan.
In fact, the brochure advises having a comprehensive health plan before buying these supplemental coverages.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect pay the money to me or to the doctor?
FlexProtect pays cash benefits to you rather than to the doctor.
You can use the cash toward out-of-pocket costs like copays, deductibles and coinsurance. Also, payments start from the first dollar of covered costs.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What are the FlexProtect, FlexProtect Pro and FlexProtect FreeStyle options?
They are three levels of the FlexProtect series.
All three include accident medical expense, a $25,000 accidental death benefit and optional accident disability income. Plus, Pro adds sickness hospital, sickness ER and critical illness options. FreeStyle adds office/urgent care, sickness surgical and wellness benefits as well.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Which FlexProtect option includes critical illness coverage?
Critical illness is an optional benefit on FlexProtect Pro and FlexProtect FreeStyle.
However, the base FlexProtect option does not list critical illness.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Which FlexProtect option covers doctor visits for sickness?
FlexProtect FreeStyle is the option that lists the sickness physician office and urgent care visit benefit.
It pays $50 per visit, up to twice a year. FreeStyle also lists the sickness surgical and wellness benefits.
π Where this applies: Florida, Georgia, Arizona and 24 more states
β Can I buy FlexProtect on its own or only with a short-term plan?
You can buy FlexProtect either on its own or as a short-term plan add-on.
FlexProtect is offered as an add-on or standalone policy in 30 states plus DC. Also, a licensed agent can tell you which way works best in your state.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What kind of health plan is FlexProtect meant to pair with?
The producer guide positions FlexProtect for people under 65 as an alternative or standalone supplement.
By contrast, separate products exist for Medicare Advantage (FlexAdvantage) and ACA plans (FlexGap).
π Where this applies: Florida, Texas, Georgia and 28 more states
β Do I have to join an association to get FlexProtect?
In most states, yes, you must join an association to get FlexProtect.
FlexProtect coverage is available to members of Communicating for America, Inc. (CA), a nonprofit association. Also, you pay membership dues monthly. However, CA is not affiliated with Companion Life.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What is Communicating for America?
Communicating for America (CA) is a nonprofit association for self-employed Americans and small business owners.
It holds the group policy for FlexProtect. In addition, CA offers members access to discount programs and services. However, it may change its membership benefits at any time.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect include virtual care?
Yes, the FlexProtect brochure lists non-insurance virtual care benefits.
For example, the producer guide names Clever Health for virtual urgent, primary and mental health care with no copays.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Do I have to answer health questions to get FlexProtect?
No, FlexProtect is guaranteed issue with no health history questions.
Plus, there are no tobacco rate loads.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does smoking or my weight raise the price of FlexProtect?
No, the producer guide says FlexProtect has no rate-ups for tobacco, height or weight.
Instead, your age when you enroll sets your rate.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Will my FlexProtect rate go up as I get older?
FlexProtect uses issue-age rating, so your age when you enroll sets your rate.
Because of this, the producer guide says there are no planned rate renewals.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What ages can enroll in FlexProtect?
The member and a spouse or domestic partner can enroll from age 18 through 78.
Also, FlexProtect can cover dependent children until age 26.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Can I add my spouse and kids to FlexProtect?
Yes, you can add a spouse or domestic partner and dependent children to FlexProtect.
A spouse or domestic partner must be ages 18 through 78, and children must be under 26. However, the accident disability income benefit is for the primary member only.
π Where this applies: Florida, Texas, Georgia and 28 more states
β When does FlexProtect coverage end?
FlexProtect coverage ends at the earliest of several events.
For example, these include the premium period when the primary member turns 85 and leaving the association. Coverage also ends if premiums stop after the grace period or the policy ends.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How soon can FlexProtect coverage start?
FlexProtect coverage can start as soon as the next day or up to 3 months out.
Plus, deferred payment options are available for future start dates.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Can I reinstate FlexProtect if my coverage lapses?
Yes, in some cases you can reinstate FlexProtect after a lapse.
You can ask in writing within 90 days of the lapse, once per calendar year, with the required premium. However, reinstated coverage only covers losses that start more than 10 days after reinstatement.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How do I file a FlexProtect claim?
Submit a claim form with your explanation of benefits (EOB) and detailed provider bills.
The bills should include procedure and diagnosis codes. Also, the member portal has claim forms and claim status.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Is there a member portal for FlexProtect?
Yes, the FlexProtect member portal has ID cards, coverage details, claim forms and claim status.
Primary members can also see their billing history.
π Where this applies: Florida, Texas, Georgia and 28 more states
β In which states can I get FlexProtect?
FlexProtect is offered in 30 states plus DC, standalone or as a short-term add-on.
They include AL, AZ, AR, DC, DE, FL, GA, IA, IL, IN, KS, KY, LA, MI, MN and MO. It also includes MS, NC, NE, ND, NV, OH, OK and SC. Finally, SD, TN, TX, VA, WV, WI and WY are on the list.
π Where this applies: Florida, Texas, Georgia and 28 more states
FlexProtect Accident, Illness and Sickness Benefits
These answers explain what FlexProtect pays after an accident or a covered illness. Also, see what it excludes.
β What does the FlexProtect accident medical expense benefit cover?
It reimburses covered medical costs from an accidental injury.
For example, it covers hospital room and board, ER care, surgery, ambulance, X-rays, lab work, prescriptions and physical therapy. In addition, costs must be medically necessary and usual and customary.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How much does FlexProtect pay for accident medical expenses?
You choose a FlexProtect accident medical benefit amount.
The brochure shows a range of $2,500 to $30,000, available per person per calendar year. However, the producer quick guide lists a range starting at $1,500. So, confirm options on your quote.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Is there a deductible on the FlexProtect accident benefit?
No, the FlexProtect accident medical expense benefit has no deductible and no waiting period.
Instead, it pays from the first dollar of covered expenses.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How long after an accident are expenses covered by FlexProtect?
Covered expenses from an accidental injury are eligible for up to 180 days after the accident.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect pay if my health insurance already paid the bill?
No, FlexProtect pays only for covered expenses another health plan did not reimburse.
In fact, it is designed to fill gaps your primary plan leaves.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover a broken tooth from an accident?
Yes, dental services for injury to natural teeth are a covered accident expense.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does the FlexProtect accident benefit cover ambulance rides?
Yes, ambulance services are on the list of covered accident expenses.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover crutches, braces or medical equipment after an accident?
Yes, medical equipment rental or purchase is a covered accident expense.
The list also includes artificial limbs, eyes and larynx devices.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect accident coverage include physical therapy and rehab?
Yes, physical therapy and rehabilitation are covered accident expenses.
The list also includes home health care and skilled nursing facility care.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover glasses or hearing aids damaged in an accident?
Eyeglasses, contact lenses and hearing aids are on the list of covered accident expenses.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What counts as a covered accident under FlexProtect?
It is a bodily injury caused directly by an accident, independent of other causes.
The injury must happen while coverage is in force. However, the definition excludes intentional, self-inflicted injuries.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How much is the FlexProtect accidental death benefit?
The FlexProtect accidental death benefit is $25,000, paid as a lump sum.
It goes to your beneficiary or estate. Dependent children, however, get 50% of that amount, which the producer guide shows as $12,500.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What does FlexProtect pay for losing a hand, foot or eyesight?
Loss of both hands, both feet or sight of both eyes pays 100% of the principal sum.
Meanwhile, loss of one hand, one foot or sight in one eye pays 50%. Finally, loss of thumb and index finger on the same hand pays 25%.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How soon after an accident must a loss happen for the FlexProtect AD&D benefit?
The death or dismemberment must occur within 90 days after the covered accident.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What if two family members die in the same accident under FlexProtect?
If two covered persons die in the same covered accident, the schedule pays 200% of the benefit.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What is the FlexProtect accident disability income benefit?
It is an optional weekly cash benefit if an accident leaves you totally disabled.
You choose $500 to $1,500 per week, and benefits then pay for up to 13 weeks.
π Where this applies: Florida, Texas, Georgia and 28 more states
β When does FlexProtect disability income start paying?
Payments start after 14 consecutive days of total disability.
Also, total disability must begin within the 90-day window after the covered accident.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Can my spouse get FlexProtect disability income?
No, the accident disability income benefit covers the primary member only, not a spouse or dependents.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Do I need a job to collect FlexProtect disability income?
Yes, the primary insured must be gainfully employed at the time of the accident.
Also, you must be unable to work in any job you are qualified for.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect pay if I am hospitalized for an illness?
Yes, if you add the optional sickness hospitalization rider on Pro or FreeStyle.
It pays a daily cash amount from $500 to $5,000. However, it pays for up to 6 days per person per year.
π Where this applies: Florida, Georgia, Arizona and 24 more states
β Does FlexProtect pay for an ER visit when I am sick?
Yes, if you add the optional sickness emergency room rider.
It pays $250 or $500 per visit, up to 2 days per person per year.
π Where this applies: Florida, Georgia, Arizona and 24 more states
β Does FlexProtect pay for surgery due to an illness?
Yes, if you add the optional sickness surgical rider on FreeStyle.
It pays $250 to $2,000 once per person per year. In addition, the producer guide says anesthesia pays 25% of the surgical benefit.
π Where this applies: Florida, Georgia, Arizona and 24 more states
β Is there a waiting period on FlexProtect sickness benefits?
No, the producer guide says FlexProtect sickness indemnity benefits have no waiting periods.
They also have no preexisting condition exclusions.
π Where this applies: Florida, Georgia, Arizona and 24 more states
β Does FlexProtect cover a yearly wellness visit?
Yes, if you add the optional wellness benefit on FreeStyle.
It pays $100 for one wellness care day per person per calendar year.
π Where this applies: Florida, Georgia, Arizona and 23 more states
β In which states are FlexProtect sickness benefits not available?
The optional sickness benefits are not available in Kansas, Michigan, Montana, Tennessee or Texas.
In Virginia, the wellness benefit is also unavailable.
π Where this applies: Every FlexProtect state (sickness benefits differ in some states)
β What does FlexProtect critical illness cover?
It pays a lump sum for a first-ever diagnosis of named conditions.
These are cancer, heart attack, stroke, coronary artery bypass surgery and major organ transplant.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How much FlexProtect critical illness coverage can I buy?
You can choose $5,000 to $30,000 per initial occurrence.
Overall, the maximum lifetime benefit is two times the amount you pick.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Is there a waiting period on FlexProtect critical illness?
Yes, no benefits are payable during the first 30 days after coverage starts.
However, this period may vary by state.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How much does FlexProtect pay for a cancer diagnosis?
After 90 days of coverage, invasive cancer pays 100% and cancer in situ pays 20%.
From day 31 through day 90, however, invasive cancer pays 50% and cancer in situ pays 10%.
π Where this applies: Florida, Texas, Georgia and 28 more states
β How much does FlexProtect pay for a heart attack or stroke?
Heart attack, stroke and major organ transplant each pay 100% of the benefit amount.
By contrast, coronary artery bypass surgery pays 50%.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect critical illness cover my spouse and children?
Yes, FlexProtect critical illness covers spouses, domestic partners and dependent children.
Spouses or domestic partners receive 100% of the benefit amount. Dependent children, however, receive 50%.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Can FlexProtect pay for more than one critical illness?
Yes, benefits remain for other covered illnesses after a claim, up to the lifetime maximum.
However, once FlexProtect pays the lifetime maximum, coverage for that person ends.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect pay again if cancer or a heart attack comes back?
A recurrence benefit can pay for a repeat diagnosis of cancer, heart attack, stroke or bypass.
It builds by 10% per year to 50% of the lump sum. However, the repeat diagnosis must come at least 365 days later with no treatment in between.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect critical illness cover preexisting conditions?
Not at first, because critical illness excludes preexisting conditions for 12 months after your effective date.
A preexisting condition here means one treated, advised or showing symptoms in the 12 months before coverage. However, the period may vary by state.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect critical illness coverage drop at a certain age?
Yes, benefits for the primary member and spouse or domestic partner reduce by 50% at age 72.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Will FlexProtect pay if I refuse treatment my doctor recommended?
Possibly not, because FlexProtect pays no benefit for certain events after you refuse recommended treatment.
For example, it does not pay for a heart attack after refusing bypass or angioplasty. Similarly, it does not pay for cancer after refusing a recommended biopsy.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover a critical illness diagnosed outside the U.S.?
Generally no, because the plan limits where a diagnosis can be made.
The diagnosis must be made in the United States or at a U.S. military facility. Otherwise, it must be confirmed in the United States.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover motorcycle or ATV accidents?
No, FlexProtect excludes injuries from riding, entering or being struck by a 2- or 3-wheeled motor vehicle.
It also excludes vehicles not designed mainly for public roads.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover sports injuries?
Not all of them, because FlexProtect excludes certain sports and activities.
For example, it excludes interscholastic tackle football and college, semi-pro and pro sports. It also excludes skydiving, scuba diving, jet skiing, hang gliding, bungee jumping, mountaineering and motorized racing.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover injuries at work?
No, FlexProtect excludes work-related injuries covered by workers' compensation or similar laws.
It also excludes injuries while driving a taxi or doing paid delivery.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover injuries while drunk?
No, FlexProtect excludes injuries sustained while legally intoxicated by alcohol.
It also excludes injuries from taking non-prescribed controlled drugs.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does FlexProtect cover accidents outside the United States?
No, the accident plan excludes injury or sickness that occurs outside the United States.
π Where this applies: Florida, Texas, Georgia and 28 more states
β Does the FlexProtect accident plan cover illness?
Not under the accident medical benefit, which excludes losses where sickness or disease contributes.
However, certain bacterial infections from an accidental cut or contaminated food are exceptions. Instead, sickness benefits come only from the optional riders.
π Where this applies: Florida, Texas, Georgia and 28 more states
β What else is excluded from FlexProtect accident coverage?
Exclusions include self-inflicted injury, war, military service, riots and committing a felony.
The plan also excludes cosmetic surgery, private aircraft piloting, care by immediate family and handling explosives. However, exclusions vary by state.
π Where this applies: Florida, Texas, Georgia and 28 more states
Brilliant Dental Plans
Brilliant Dental comes from Renaissance and covers routine and major dental work. Here you can see what it pays.
β What is Brilliant Dental?
Brilliant Dental is individual dental insurance with optional vision benefits.
It comes in three plans: Value, Essential and Maximum. In addition, Renaissance Life & Health Insurance Company of America underwrites it.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Who is the insurance company behind Brilliant Dental?
Renaissance Life & Health Insurance Company of America, based in Indianapolis, underwrites Brilliant Dental.
In fact, Renaissance belongs to a group with more than 60 years of experience covering over 13 million people.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Who can enroll in Brilliant Dental?
Applicants must be 18 or older to enroll in Brilliant Dental.
Child dependents can also be covered from birth until age 26.
π Where this applies: Florida, Texas, Georgia and 29 more states
β How fast can Brilliant Dental coverage start?
You can choose to have Brilliant Dental coverage start the day after you enroll.
π Where this applies: Florida, Texas, Georgia and 29 more states
β What is the difference between the Brilliant Dental Value, Essential and Maximum plans?
Value covers preventive and basic care but not major services.
By contrast, Essential and Maximum add major care like crowns and implants. Their yearly maximums also grow over time. However, only Maximum covers child orthodontia.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant Dental come with any association membership?
In specific states, Brilliant Dental buyers become members of a nonprofit association.
That association is Communicating for America. Membership also comes with non-insurance benefits.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Can I use any dentist with Brilliant Dental?
Yes, you can visit any licensed dentist in the U.S. with Brilliant Dental.
However, you may save the most by using a dentist in the Renaissance PPO network.
π Where this applies: Florida, Texas, Georgia and 29 more states
β How big is the Brilliant Dental network?
Renaissance network partners offer over 300,000 credentialed PPO access points nationwide.
For help finding a dentist, you can also contact the carrier.
π Where this applies: Florida, Texas, Georgia and 29 more states
β What happens if my dentist is out of network with Brilliant Dental?
You may owe the difference between the dentist's charge and the allowed amount, plus coinsurance.
Also, the Maximum plan reimburses out-of-network charges based on the 80th percentile.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant Dental cover cleanings at 100%?
Yes, Brilliant Dental pays cleanings at 100% on all three plans.
Exams, bitewing X-rays and fluoride to age 19 also pay at 100%.
π Where this applies: Florida, Texas, Georgia and 29 more states
β How many cleanings a year does Brilliant Dental cover?
The Value plan covers 2 cleanings a year.
By contrast, the Essential and Maximum plans cover 3 cleanings a year.
π Where this applies: Florida, Texas, Georgia and 29 more states
β How often does Brilliant Dental cover exams and X-rays?
Brilliant Dental covers exams twice a year and bitewing X-rays once a year.
It also covers fluoride once a year until age 19.
π Where this applies: Florida, Texas, Georgia and 29 more states
β What is the Brilliant Dental deductible?
The Brilliant Dental deductible is $50 per person, up to $150 per family, on all three plans.
On Value and Essential, the deductible also applies to preventive care from out-of-network dentists.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant Dental cover fillings?
Yes, all three Brilliant Dental plans cover fillings.
The Value plan pays 80% for fillings after a six-month wait. On Essential and Maximum, however, the percentage rises the longer you have coverage.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Is there a waiting period on Brilliant Dental?
Only the Brilliant Dental Value plan has a waiting period, which is six months for basic services.
By contrast, the Essential and Maximum plans list no waiting period.
π Where this applies: Florida, Texas, Georgia and 29 more states
β How much does the Brilliant Dental Essential plan pay for basic services?
On Essential, basic services pay 40% in year 1 and 60% in year 2.
After that, they pay 80% from year 3 on. For example, basic services include fillings and simple extractions.
π Where this applies: Florida, Texas, Georgia and 26 more states
β How much does the Brilliant Dental Maximum plan pay for basic services?
On Maximum, basic services pay 60% in year 1 and 70% in year 2.
Then they pay 80% in year 3 and after.
π Where this applies: Florida, Texas, Georgia and 26 more states
β Does Brilliant Dental cover sealants for kids?
Yes, Brilliant Dental covers sealants for kids to age 16.
It also covers space maintainers to age 14. Both pay at the plan's basic services percentage.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant Dental cover crowns, root canals and oral surgery?
Yes, the Essential and Maximum plans cover crowns, root canals and oral surgery.
These major services include crowns, bridges, dentures, endodontics, periodontics and oral surgery. However, the Value plan does not cover major services.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant Dental cover dental implants?
Yes, the Essential and Maximum plans cover dental implants as a major service.
However, the Value plan does not cover implants.
π Where this applies: Florida, Texas, Georgia and 29 more states
β How much does the Brilliant Dental Essential plan pay for major services?
On Essential, major services pay 10% in year 1 and 20% in year 2.
Then they pay 30% in year 3 and after.
π Where this applies: Florida, Texas, Georgia and 26 more states
β How much does the Brilliant Dental Maximum plan pay for major services?
On Maximum, major services pay 20% in year 1 and 35% in year 2.
Then they pay 50% in year 3 and after.
π Where this applies: Florida, Texas, Georgia and 26 more states
β Do Brilliant Dental benefits increase over time?
Yes, some percentages and maximums rise over time on Essential and Maximum.
In fact, they rise in the second and third coverage periods.
π Where this applies: Florida, Texas, Georgia and 29 more states
β What is the yearly maximum on Brilliant Dental?
The Value plan has a $1,000 yearly maximum.
Meanwhile, Essential grows from $1,000 to $1,250 to $1,500. Maximum grows from $1,500 to $2,000 to $2,500 by year 3.
π Where this applies: Florida, Texas, Georgia and 26 more states
β Does Brilliant Dental cover braces?
Only the Maximum plan covers braces, and only for dependent children under 19.
It pays 10% in year 1, 25% in year 2 and 50% after. The annual maximum is $500. In addition, the lifetime maximum is $1,000.
π Where this applies: Florida, Texas, Georgia and 26 more states
β Does Brilliant Dental cover braces for adults?
No, Brilliant Dental orthodontia is for children only.
Also, it applies only to dependents under age 19 on the Maximum plan.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Are Brilliant Dental benefits different in Connecticut, Illinois and New Jersey?
Yes, a separate version of Brilliant Dental applies in those three states.
The Value plan is the same. However, Essential and Maximum have different percentages and maximums.
π Where this applies: Connecticut, Illinois and New Jersey
β What does the Brilliant Dental Essential plan pay in Connecticut, Illinois and New Jersey?
In those states, Essential pays 50% for basic and major services in every year.
Also, the yearly maximum grows from $500 to $750 to $1,000 by year 3.
π Where this applies: Connecticut, Illinois and New Jersey
β What does the Brilliant Dental Maximum plan pay in Connecticut, Illinois and New Jersey?
In those states, Maximum pays 50%, 65% and then 80% for basic services by year 3.
Major services pay 50% every year. Meanwhile, the yearly maximum grows from $700 to $1,200 to $2,500.
π Where this applies: Connecticut, Illinois and New Jersey
β Does Brilliant Dental cover braces in Connecticut, Illinois and New Jersey?
Yes, the Maximum plan covers braces at 50% for children under 19 in those states.
The annual maximum grows from $250 to $400 to $500. Also, the lifetime maximum grows from $500 to $800 to $1,000.
π Where this applies: Connecticut, Illinois and New Jersey
β Does Brilliant Dental cover teeth whitening or cosmetic dentistry?
No, Brilliant Dental excludes bleaching and cosmetic dentistry.
It also excludes correcting congenital or developmental malformations for cosmetic reasons.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Will Brilliant Dental pay for work started before my coverage began?
No, Brilliant Dental excludes services or appliances started before you became eligible.
However, orthodontic treatment in progress is the exception, if orthodontia is a covered service.
π Where this applies: Florida, Texas, Georgia and 29 more states
β What else does Brilliant Dental not cover?
Exclusions include missed-appointment fees, claim form charges, investigational services and athletic mouthguards.
The plan also excludes prescription drugs, non-IV sedation and work-injury care.
π Where this applies: Florida, Texas, Georgia and 29 more states
β When do Brilliant Dental benefits stop if I cancel?
Benefits end on the last day of the month in which coverage terminates.
π Where this applies: Florida, Texas, Georgia and 29 more states
β In which states is Brilliant Dental available?
Brilliant Dental is available in the states listed on its state chart.
The chart lists AL, AR, AZ, CA, CT, DC, DE, FL, GA, IA and ID. It also lists IL, IN, KS, KY, LA, MI, MN, MS, ND and NE. Finally, it lists NJ, NV, OH, OK, SC, TN, TX, VA, WI, WV and WY. In Iowa, however, the plan is dental only.
π Where this applies: Florida, Texas, Georgia and 29 more states
β What age do you need to be for Brilliant Dental?
The policyholder must be 18 or older for Brilliant Dental.
Child dependents can also be covered from birth until age 26.
π Where this applies: Florida, Texas, Georgia and 29 more states
Brilliant Vision Coverage
Brilliant plans can add vision benefits. So see what eye exams, frames and lenses cost.
β Can I add vision to Brilliant Dental?
Yes, individuals can add vision insurance to Brilliant Dental at the time of application.
However, vision is not offered in Iowa, where only dental is available.
π Where this applies: Florida, Texas, Georgia and 29 more states
β What vision network does Brilliant Dental use?
Brilliant vision coverage uses the VSP Choice Network, with more than 98,000 doctor access points nationwide.
In fact, VSP Vision Care administers Renaissance Vision.
π Where this applies: Florida, Texas, Georgia and 29 more states
β How much is an eye exam with Brilliant vision coverage?
In network, the eye exam has a $20 copay, which also includes prescription eyeglasses.
Out of network, the plan pays up to $45. Plus, you get one covered exam every 12 months.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant vision coverage pay for frames?
Yes, in network, the plan covers frames with the exam up to $150 of allowable charges.
Out of network, it pays up to $70. Also, the plan covers frames every 24 months.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant vision coverage pay for lenses?
Yes, in network, the plan covers lenses with the eye exam every 12 months.
By contrast, out of network it pays up to $30 single, $50 bifocal, $65 trifocal or $100 lenticular.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant vision coverage pay for contact lenses?
Yes, Brilliant vision coverage pays for contact lenses in place of glasses.
In network, the exam and fitting have a $60 copay, covered up to $150 of allowable charges. Out of network, however, it pays up to $105 every 12 months.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant vision coverage help with low vision?
Yes, Brilliant vision coverage pays for professional services for severe visual problems.
Testing is covered in full in network, and supplemental aids pay 75% up to $1,000, every 24 months.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant vision coverage pay for anti-glare coating or progressive lenses?
No, Brilliant vision coverage pays the basic cost of allowed lenses.
So you pay extra for options like anti-reflective coating, progressives, photochromic, polycarbonate or UV lenses.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant vision coverage replace lost or broken glasses?
No, Brilliant vision coverage does not replace lost or broken glasses early.
Instead, it replaces lost or broken lenses, frames or contacts only at the normal benefit intervals.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Does Brilliant vision coverage cover LASIK or eye surgery?
No, Brilliant vision coverage does not cover medical or surgical treatment of the eyes.
The plan also excludes experimental corrective vision treatment and vision training.
π Where this applies: Florida, Texas, Georgia and 29 more states
β Who do I call about Brilliant vision frame brands?
Some frame brands may be unavailable or limited with Brilliant vision coverage.
So ask your in-network provider, or contact the carrier's Member Services.
π Where this applies: Florida, Texas, Georgia and 29 more states
Latitude Supplemental Plans
Latitude comes from Fidelity Security Life and pays fixed benefits. In addition, it includes member perks.
β What is the Latitude Supplemental plan?
Latitude is a membership in Communicating for America that bundles limited insurance benefits with non-insurance discounts.
The insurance pays cash for accidents and critical illness, plus hospital stays in most states. Also, the discounts cover things like telehealth, prescriptions and eyewear.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Is Latitude Supplemental insurance or a discount plan?
Latitude Supplemental is both insurance and a discount plan.
The insurance part pays limited cash benefits, and Fidelity Security Life Insurance Company underwrites it. In addition, the membership part adds non-insurance discounts through Communicating for America.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Is Latitude Supplemental a replacement for health insurance?
No, Latitude is not comprehensive health coverage.
Instead, it pays limited cash benefits, and you can pair it with other insurance for added coverage.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Who underwrites the Latitude Supplemental insurance benefits?
Fidelity Security Life Insurance Company of Kansas City, Missouri, underwrites the accident medical and AD&D benefits.
The company has more than 50 years in business. By contrast, the non-insurance benefits come from Communicating for America.
π Where this applies: Florida, Texas, Georgia and 18 more states
β How are Latitude Supplemental benefits paid?
Latitude pays cash insurance benefits directly to the member.
So, you can use them for deductibles, rent or mortgage, child care or everyday expenses.
π Where this applies: Florida, Texas, Georgia and 18 more states
β What is the difference between Latitude Select and Latitude Preferred?
Latitude Preferred has higher benefit amounts than Latitude Select.
For example, the adult accident medical maximum is $2,500 on Select and $5,000 on Preferred. Preferred also adds roadside reimbursement.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Does Latitude Supplemental include hospital indemnity coverage?
Yes, the standard-state version of Latitude includes hospital indemnity coverage.
It pays adults $250 a day on Select or $500 on Preferred. However, the Idaho, Indiana, Nevada, North Dakota and Wyoming version does not include hospital indemnity.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Who can enroll in Latitude Supplemental?
Adults under 65 who are members in good standing of Communicating for America can enroll.
Spouses under 65 and dependent children under 26 are also eligible.
π Where this applies: Florida, Texas, Georgia and 18 more states
β When does Latitude Supplemental coverage start?
Coverage starts after your enrollment is approved and the first premium is received.
However, if you are confined at home or in a hospital, coverage waits until the month after confinement ends.
π Where this applies: Florida, Texas, Georgia and 18 more states
β How much does Latitude pay for accident medical expenses?
Select pays up to $2,500 per adult and $1,000 per child per accident.
Preferred, by contrast, pays up to $5,000 per adult and $2,000 per child. Covered charges pay at 100% of the reasonable and customary amount after the deductible.
π Where this applies: Florida, Texas, Georgia and 18 more states
β What is the Latitude accident deductible?
The per-accident deductible is $250 on Select plans and $500 on Preferred plans.
π Where this applies: Florida, Texas, Georgia and 18 more states
β What accident costs does Latitude cover?
Covered charges include hospital room and board, ER care, surgery, physician fees and skilled nursing care.
The plan also covers ambulance, physical therapy, prosthetics and injured natural teeth. However, it covers prescriptions only while you are hospital confined.
π Where this applies: Florida, Texas, Georgia and 18 more states
β How soon after an accident must I get treatment under Latitude?
First treatment must happen within 90 days of the accident.
Also, all follow-up treatment must take place within 52 weeks of the accident.
π Where this applies: Florida, Texas, Georgia and 18 more states
β How much is the Latitude accidental death benefit?
Loss of life pays $5,000 for the insured or spouse and $2,000 per child.
This applies on both Select and Preferred. In addition, the benefit increases by an extra 10% of the original amount in the second certificate year.
π Where this applies: Florida, Texas, Georgia and 18 more states
β What does Latitude pay for dismemberment?
Loss of one hand, foot, eye, speech or hearing pays $2,500 for adults and $1,000 for children.
For adults, loss of thumb and index finger pays $1,250. However, Latitude pays only the largest amount per accident.
π Where this applies: Florida, Texas, Georgia and 18 more states
β What critical illnesses does Latitude cover?
Latitude covers heart attack, stroke, major organ transplant, invasive cancer, cancer in situ, kidney failure and permanent paralysis.
Benefits pay for a first-time diagnosis.
π Where this applies: Florida, Texas, Georgia and 18 more states
β How much does Latitude pay for critical illness?
Select pays up to $2,500 per adult and $1,000 per child per lifetime.
Preferred, by contrast, pays up to $5,000 per adult and $2,000 per child. Plus, adult amounts grow by 50% in the second certificate year.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Does Latitude pay less for cancer found early in coverage?
Yes, invasive cancer diagnosed in the first 90 days pays less.
It pays $250 for Select adults and $500 for Preferred adults. After 90 days, however, invasive cancer pays the full $2,500 or $5,000.
π Where this applies: Florida, Texas, Georgia and 18 more states
β How much does Latitude pay per day in the hospital?
In the standard-state version, adults get $250 a day on Select or $500 on Preferred.
Meanwhile, children get $100 or $200 a day. Benefits cover adults up to 10 days a year and children up to 5.
π Where this applies: Florida, Texas, Georgia and 13 more states
β Does Latitude hospital indemnity cover preexisting conditions?
Not until 12 consecutive months after your effective date.
Before then, Latitude does not pay hospital benefits for a preexisting condition.
π Where this applies: Florida, Texas, Georgia and 13 more states
β Does Latitude hospital indemnity cover pregnancy or mental health stays?
No, Latitude hospital indemnity excludes pregnancy, except complications, and routine newborn care.
It also excludes mental or nervous disorders and substance use disorder treatment.
π Where this applies: Florida, Texas, Georgia and 13 more states
β What discounts come with a Latitude membership?
Membership includes discounted telehealth visits, up to 75% off prescriptions and 15%β40% off eyewear.
It also includes Avis and Budget car rental savings, Choice Hotels savings and office supply discounts. However, benefits can change at any time.
π Where this applies: Florida, Texas, Georgia and 18 more states
β How much is a telehealth visit with Latitude?
Members pay $49 per Doctor on Demand video visit, available 24/7.
Doctors can diagnose and send prescriptions for common problems. Discounted therapy and psychiatry visits are also available by appointment.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Does Latitude include a prescription discount card?
Yes, members can get prescription discounts at over 66,000 pharmacies.
Savings reach up to 75% on generic drugs, with savings on brand names too. However, this is a discount, not insurance.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Does Latitude include vision discounts?
Yes, members save up to 15% on eye exams and 20%β40% on frames, lenses and contacts.
However, this is a discount, not vision insurance.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Does Latitude include roadside assistance?
Preferred plans include roadside reimbursement of $50 for towing or emergency roadside service.
You can get this reimbursement twice per year.
π Where this applies: Florida, Texas, Georgia and 18 more states
β How much does Latitude Supplemental cost?
In standard states, Select costs $29.95 individual or $59.95 family.
Meanwhile, Preferred is $49.95 individual or $99.95 family. Each price combines insurance and membership fees.
π Where this applies: Florida, Texas, Georgia and 13 more states
β How much does Latitude cost in Idaho, Indiana, Nevada, North Dakota or Wyoming?
In these states, Select is $24.95 individual or $49.95 family.
Preferred is $39.95 individual or $79.95 family. However, this version does not include the hospital indemnity benefit.
π Where this applies: Idaho, Indiana, North Dakota, Nevada and Wyoming
β How much of the Latitude price is insurance versus membership?
The split between insurance and membership depends on the plan.
For example, the standard Select individual price includes $12.35 for insurance. It also includes $17.60 for membership and marketing fees. Your enrollment shows the exact split.
π Where this applies: Florida, Texas, Georgia and 18 more states
β What does Latitude accident coverage not cover?
Exclusions include illness or disease, self-inflicted injury, intoxication, non-prescribed drugs and felonies.
The plan also excludes work injuries, war, military duty and non-commercial flights.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Does Latitude accident medical cover outpatient prescriptions?
No, Latitude accident medical excludes outpatient prescription drugs.
Instead, it covers prescriptions only while you are hospital confined.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Does Latitude cover a critical illness diagnosed abroad?
Generally no, because the plan limits where a diagnosis can be made.
The diagnosis must be made in the U.S. or its territories, or at a U.S. military or government facility. Otherwise, it must be confirmed in the U.S.
π Where this applies: Florida, Texas, Georgia and 18 more states
β Does Latitude critical illness pay for illness caused by alcohol or drug abuse?
No, Latitude excludes critical illness caused by abuse of or addiction to alcohol, drugs or chemicals.
π Where this applies: Florida, Texas, Georgia and 18 more states
β In which states is Latitude Supplemental available?
The state chart lists Latitude in AL, AR, AZ, DE, FL, GA, IN, KY, MS and ND.
It also lists NE, NV, OK, PA, SC, TN, TX, WI, WV and WY. In addition, a separate brochure version covers Idaho, Indiana, Nevada, North Dakota and Wyoming.
π Where this applies: Florida, Texas, Georgia and 18 more states
β What age do you have to be for Latitude Supplemental?
Latitude eligibility is for adults and spouses under 65, with dependent children under 26.
By contrast, the state chart lists supplemental products for ages 18 and up.
π Where this applies: Florida, Texas, Georgia and 18 more states
Short-Term Plan Options Compared
Companion Life, North River and Pan-American Life each offer short-term plans. These answers explain who each one fits.
β Who is the Companion Life Core short-term plan designed for?
Core "Lite" is designed for young adults under 25 and college students wanting budget-friendly coverage.
It includes preventive care, office copays and prescription benefits. However, it limits hospital coverage to keep premiums lower.
π Where this applies: Every state where these short-term plans are sold
β What network does the Companion Life Core short-term plan use?
The Companion Life Core short-term plan uses the First Health Network.
π Where this applies: Every state where these short-term plans are sold
β Who is the Companion Life Classic short-term plan designed for?
Classic is designed for individuals and families of all budgets.
Plan types include Economy, Choice, Standard and Deluxe. It is also open access with no provider network.
π Where this applies: Every state where these short-term plans are sold
β Who is the Companion Life Quantum short-term plan designed for?
Quantum is designed for established entrepreneurs and early retirees wanting rich benefits.
It uses the Cigna PPO network with copay or high-deductible options. Plus, it includes a supplemental accident benefit. However, it is not available in Georgia or Texas.
π Where this applies: Every state where these short-term plans are sold
β Who is the Epic short-term plan from North River Insurance Company designed for?
Epic is popular with ages 34 to 50 and families seeking fuller coverage.
The family deductible is 2 times the individual deductible. Also, optional accident and prescription copay riders are available.
π Where this applies: Every state where these short-term plans are sold
β What is the difference between the Epic Base and Epic PPO short-term plans?
Epic Base offers open access with no provider network, while Epic PPO uses the Cigna PPO network.
Also, Epic Base includes an office visit copay. However, Epic PPO is not available in Georgia or Texas.
π Where this applies: Every state where these short-term plans are sold
β Who is the SureCare short-term plan from Pan-American Life designed for?
SureCare is designed for families, women 40 and older, and wellness-focused shoppers.
It includes doctor and urgent care copays plus a prescription discount card. Also, it is open access with no provider network.
π Where this applies: Every state where these short-term plans are sold
β Does the Pan-American Life SureCare short-term plan cover preventive care?
Yes, SureCare covers OB-GYN visits, mammograms, PSA tests and childhood immunizations at 80%.
In addition, the adult wellness exam has a $50 copay.
π Where this applies: Every state where these short-term plans are sold
β What ages can buy Companion Life, North River or Pan-American Life short-term plans?
The state chart lists short-term plans for ages 6 months through 64 years and 11 months.
π Where this applies: Every state where these short-term plans are sold
β What does 3x364 mean for a short-term plan?
It means up to three consecutive short-term terms of 364 days each.
In South Carolina, however, the maximum is three terms of 330 days. Availability also depends on the plan and state.
π Where this applies: Every state where these short-term plans are sold
β Can I get a 12-month short-term plan in Texas?
Yes, you can get up to 12 months in Texas through a multicarrier solution.
Texas plans themselves list a 120-day term. However, coverage up to 12 months is available by combining carriers.
π Where this applies: Texas
Short-Term Member Perks
Many short-term plans include telehealth and concierge help. As a result, you can get care and answers faster.
β What is Clever Health?
Clever Health is a virtual care app offering 24/7 on-demand support.
Visits are $0 and include a prescription discount card. Plus, it comes as a member perk with select plans.
π Where this applies: Every state where these short-term plans are sold
β How much does a Clever Health visit cost?
Clever Health visits are $0 per visit.
In fact, the FlexBenefits guide describes unlimited visits with no copays.
π Where this applies: Every state where these short-term plans are sold
β What can Clever Health treat?
Clever Health handles common urgent care needs.
For example, it treats colds, flu, sinus infections, fever and cough. It also treats allergies, asthma, UTIs, migraines, skin conditions and pink eye.
π Where this applies: Every state where these short-term plans are sold
β How does a Clever Health visit work?
Most Clever Health visits use an AI-driven medical questionnaire that a provider reviews.
You rarely need to speak to a provider directly, but phone or video is available. In fact, the average visit takes less than 6 minutes.
π Where this applies: Every state where these short-term plans are sold
β How do I sign up for Clever Health?
Download the Clever Health app by scanning the QR code on your flyer.
After that, enter your last name, date of birth and zip code. Then finish onboarding to reach your care team.
π Where this applies: Every state where these short-term plans are sold
β Does Clever Health include mental health care?
The FlexBenefits guide lists mental health care among Clever Health's services.
It also lists virtual urgent care and primary care. However, check your plan materials for what your perk includes.
π Where this applies: Most short-term states, except Montana, New Hampshire, Pennsylvania and Utah
β Is Clever Health insurance?
No, Clever Health is a virtual care service, not insurance.
In fact, FlexProtect lists virtual care as a non-insurance benefit. It works alongside your coverage, not in place of it.
π Where this applies: Every state where these short-term plans are sold
β Do the Companion Life, North River and Pan-American Life short-term plans include concierge services?
Yes, these short-term plans include concierge services at no additional cost.
For example, the team helps with finding providers, understanding coverage and resolving billing issues.
π Where this applies: Every state where these short-term plans are sold
β How can the short-term plan concierge help me find a doctor?
The concierge team connects members to trusted, high-quality providers that meet their needs.
As a result, it saves time when you are not sure where to go.
π Where this applies: Every state where these short-term plans are sold
β Can the short-term plan concierge help with a surprise or balance bill?
Yes, balance bill protection is part of the short-term plan concierge services.
In fact, advocates help resolve balance billing issues quickly and fairly.
π Where this applies: Every state where these short-term plans are sold
β Does the short-term plan concierge explain my benefits?
Yes, care navigation gives personalized, step-by-step guidance on your coverage.
Overall, the goal is to make healthcare less confusing.
π Where this applies: Every state where these short-term plans are sold
Short-Term Options by State
Each state has its own mix of short-term plans. So check the answers for the state where you live.
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Alabama?
Alabama offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Alabama.
π Where this applies: Alabama
β How long can a short-term plan last in Alabama?
All three carriers offer 180-day and 364-day terms in Alabama.
They also offer up to three consecutive 364-day terms. In addition, Companion Life and North River offer 2x180 and 2x364 options.
π Where this applies: Alabama
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Arkansas?
Arkansas offers Companion Life Classic and Core, plus North River Epic Base.
Pan-American Life SureCare is also available in Arkansas.
π Where this applies: Arkansas
β How long can a short-term plan last in Arkansas?
All three carriers offer 180-day and 364-day terms in Arkansas.
They also offer up to three consecutive 364-day terms. In addition, Companion Life and North River offer 2x180 and 2x364 options.
π Where this applies: Arkansas
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Arizona?
Arizona offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Arizona.
π Where this applies: Arizona
β How long can a short-term plan last in Arizona?
All three carriers offer 180-day and 364-day terms in Arizona.
They also offer up to three consecutive 364-day terms. In addition, Companion Life and North River offer 2x180 and 2x364 options.
π Where this applies: Arizona
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Florida?
Florida offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Florida.
π Where this applies: Florida
β How long can a short-term plan last in Florida?
All three carriers offer 180-day and 364-day terms in Florida.
They also offer up to three consecutive 364-day terms. In addition, Companion Life and North River offer 2x180 and 2x364 options.
π Where this applies: Florida
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Georgia?
Georgia offers Companion Life Classic and Core, plus North River Epic Base.
Pan-American Life SureCare is also available in Georgia. However, Quantum and Epic PPO are not available in Georgia.
π Where this applies: Georgia
β How long can a short-term plan last in Georgia?
All three carriers offer 180-day and 364-day terms in Georgia.
They also offer up to three consecutive 364-day terms. In addition, Companion Life and North River offer 2x180 and 2x364 options.
π Where this applies: Georgia
β Which short-term plans from Companion Life and North River are available in Iowa?
Iowa offers the Companion Life Classic plan, plus North River Epic Base and Epic PPO.
π Where this applies: Iowa
β How long can a short-term plan last in Iowa?
Companion Life offers 180 or 364 days, 2x180, 2x364 and up to three 364-day terms.
By contrast, North River offers 180 days or 2x180.
π Where this applies: Iowa
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Indiana?
Indiana offers Companion Life Classic and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Indiana.
π Where this applies: Indiana
β How long can a short-term plan last in Indiana?
Companion Life offers a 120-day term in Indiana.
By contrast, North River and Pan-American Life offer 180 or 364 days and up to three 364-day terms. North River also offers 2x180 and 2x364.
π Where this applies: Indiana
β Which short-term plans from North River and Pan-American Life are available in Kansas?
Kansas offers North River Epic Base and Epic PPO, and Pan-American Life SureCare.
π Where this applies: Kansas
β How long can a short-term plan last in Kansas?
North River and Pan-American Life offer 180-day or 364-day terms in Kansas.
In addition, North River offers 2x180, 2x364 and up to three consecutive 364-day terms.
π Where this applies: Kansas
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Kentucky?
Kentucky offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Kentucky.
π Where this applies: Kentucky
β How long can a short-term plan last in Kentucky?
All three carriers offer 180-day and 364-day terms in Kentucky.
They also offer up to three consecutive 364-day terms. In addition, Companion Life and North River offer 2x180 and 2x364 options.
π Where this applies: Kentucky
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Louisiana?
Louisiana offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Louisiana.
π Where this applies: Louisiana
β How long can a short-term plan last in Louisiana?
All three carriers offer 180 or 364 days and up to three 364-day terms.
Companion Life also offers 90 days and 4x90. In addition, Companion Life and North River add 2x180 and 2x364.
π Where this applies: Louisiana
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Michigan?
Michigan offers Companion Life Classic and Core, plus North River Epic Base.
Pan-American Life SureCare is also available in Michigan.
π Where this applies: Michigan
β How long can a short-term plan last in Michigan?
Companion Life offers 120 days, while North River and Pan-American Life offer 180 days.
However, Michigan limits coverage to 180 days in any 365-day period, or 185 for Companion Life.
π Where this applies: Michigan
β Can I buy back-to-back short-term plans in Michigan?
You cannot buy back-to-back plans right away from the same carrier in Michigan.
Instead, Michigan requires a 180-day break after your last short-term policy from that carrier ends.
π Where this applies: Michigan
β Which short-term plans from Companion Life and Pan-American Life are available in Missouri?
Missouri offers Companion Life Classic and Core, and Pan-American Life SureCare.
π Where this applies: Missouri
β How long can a short-term plan last in Missouri?
Companion Life offers 90-day short-term terms in Missouri.
Also, Companion Life and Pan-American Life both offer 180-day terms.
π Where this applies: Missouri
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Mississippi?
Mississippi offers Companion Life Classic and Core, plus North River Epic Base.
Pan-American Life SureCare is also available in Mississippi.
π Where this applies: Mississippi
β How long can a short-term plan last in Mississippi?
All three carriers offer 180-day or 364-day terms in Mississippi.
π Where this applies: Mississippi
β Which short-term plans are available in Montana?
Montana offers the Epic Base short-term plan from North River Insurance Company.
The plan comes with a 180-day term.
π Where this applies: Montana
β Which short-term plans from Companion Life, North River and Pan-American Life are available in North Carolina?
North Carolina offers Companion Life Classic and Core, plus North River Epic Base.
Pan-American Life SureCare is also available in North Carolina.
π Where this applies: North Carolina
β How long can a short-term plan last in North Carolina?
All three carriers offer a 90-day term in North Carolina.
π Where this applies: North Carolina
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Nebraska?
Nebraska offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Nebraska.
π Where this applies: Nebraska
β How long can a short-term plan last in Nebraska?
Pan-American Life offers a 120-day term in Nebraska.
Meanwhile, Companion Life and North River offer 180 or 364 days, 2x180 and 2x364. They also offer up to three consecutive 364-day terms.
π Where this applies: Nebraska
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Nevada?
Nevada offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Nevada.
π Where this applies: Nevada
β How long can a short-term plan last in Nevada?
Companion Life offers 120 days, while North River and Pan-American Life offer 180 days.
However, Nevada limits coverage to 180 days in any 365-day period, or 185 for Companion Life.
π Where this applies: Nevada
β Can I buy back-to-back short-term plans in Nevada?
You cannot buy back-to-back short-term plans right away in Nevada.
Instead, Nevada requires a 180-day break after your last short-term policy from any carrier ends.
π Where this applies: Nevada
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Ohio?
Ohio offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Ohio.
π Where this applies: Ohio
β How long can a short-term plan last in Ohio?
Companion Life and North River offer 120-day terms in Ohio.
By contrast, Pan-American Life offers 180-day or 364-day terms.
π Where this applies: Ohio
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Oklahoma?
Oklahoma offers Companion Life Classic and Core, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Oklahoma.
π Where this applies: Oklahoma
β How long can a short-term plan last in Oklahoma?
All three carriers offer 180-day and 364-day terms in Oklahoma.
They also offer up to three consecutive 364-day terms. In addition, Companion Life and North River offer 2x180 and 2x364 options.
π Where this applies: Oklahoma
β Which short-term plans are available in Pennsylvania?
Pennsylvania offers the Epic Base short-term plan from North River Insurance Company.
The plan comes with a 120-day term.
π Where this applies: Pennsylvania
β Which short-term plans from North River and Pan-American Life are available in South Carolina?
South Carolina offers North River Epic Base and Epic PPO, and Pan-American Life SureCare.
π Where this applies: South Carolina
β How long can a short-term plan last in South Carolina?
North River and Pan-American Life offer 180-day and 330-day terms in South Carolina.
Consecutive options also include 2x330 and up to three 330-day terms.
π Where this applies: South Carolina
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Tennessee?
Tennessee offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Tennessee.
π Where this applies: Tennessee
β How long can a short-term plan last in Tennessee?
All three carriers offer 180-day and 364-day terms in Tennessee.
They also offer up to three consecutive 364-day terms. In addition, Companion Life and North River offer 2x180 and 2x364 options.
π Where this applies: Tennessee
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Texas?
Texas offers Companion Life Classic and Core, plus North River Epic Base.
Pan-American Life SureCare is also available in Texas. However, Quantum and Epic PPO are not available in Texas.
π Where this applies: Texas
β How long can a short-term plan last in Texas?
All three carriers list a 120-day term in Texas.
However, coverage for up to 12 months is available through a multicarrier solution.
π Where this applies: Texas
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Virginia?
Virginia offers Companion Life Classic and Core, plus North River Epic Base.
Pan-American Life SureCare is also available in Virginia.
π Where this applies: Virginia
β How long can a short-term plan last in Virginia?
All three carriers offer a 120-day term in Virginia.
Companion Life and North River also offer 2x90. However, Virginia limits coverage to 6 months or less in a 12-month period.
π Where this applies: Virginia
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Wisconsin?
Wisconsin offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Wisconsin.
π Where this applies: Wisconsin
β How long can a short-term plan last in Wisconsin?
Companion Life offers a 120-day term in Wisconsin.
North River and Pan-American Life offer 180 or 364 days, and North River adds 2x180. However, total consecutive coverage cannot exceed 18 months.
π Where this applies: Wisconsin
β Can I buy back-to-back short-term plans in Wisconsin?
You cannot buy back-to-back plans right away from the same carrier in Wisconsin.
Instead, Wisconsin requires a 63-day break after your last short-term policy from that carrier ends.
π Where this applies: Wisconsin
β Which short-term plans from Companion Life, North River and Pan-American Life are available in West Virginia?
West Virginia offers Companion Life Classic, Core and Quantum, plus North River Epic Base.
Pan-American Life SureCare is also available in West Virginia.
π Where this applies: West Virginia
β How long can a short-term plan last in West Virginia?
All three carriers offer 180 or 364 days in West Virginia.
Companion Life also adds 2x180 and 2x364. In addition, Companion Life and Pan-American Life offer up to three 364-day terms.
π Where this applies: West Virginia
β Which short-term plans from Companion Life, North River and Pan-American Life are available in Wyoming?
Wyoming offers Companion Life Classic, Core and Quantum, plus North River Epic Base and Epic PPO.
Pan-American Life SureCare is also available in Wyoming.
π Where this applies: Wyoming
β How long can a short-term plan last in Wyoming?
All three carriers offer 180-day or 364-day terms in Wyoming.
π Where this applies: Wyoming
π More Supplemental and Short-Term Guides
These answers cover each add-on in short form. When you want more depth, these guides from our licensed agents explain supplemental and short-term coverage. Then, if a question comes up, call 888-730-6001 anytime.
π Supplemental and Short-Term Guides
𧩠More Short-Term and Supplemental FAQ Libraries
π Questions About Add-Ons, Dental or Supplemental Plans?
These answers cover the most common add-on questions, but every family is different. Therefore, our licensed agents match add-ons to your health plan for free.
Best of all, our help costs you nothing. Request a 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 website, HealthCare.gov, and the National Association of Insurance Commissioners.
Vivna Insurance is an independent, licensed agency offering products from Companion Life, Renaissance and Fidelity Security Life. We are not any of these insurers. Supplemental and dental plans do not replace health insurance. Short-term plans are not ACA coverage. Plans and availability vary by state.