Companion Life Short-Term FAQs: Answers on Classic, Choice and Core Plans
These Companion Life short-term FAQs cover the Classic, Choice and Core plans. Licensed Vivna agents wrote each answer in plain English. Because rules change by state, every answer shows where it applies. Call 888-730-6001 anytime for free help.
Vivna Insurance is an independent, licensed agency offering Companion Life products. We are not Companion Life or its affiliates. Short-term plans are not ACA coverage and may not cover pre-existing conditions. Plans and availability vary by state.
Companion Life Short-Term Basics
Start here to learn what Companion Life short-term plans are and who can buy one. Then compare the plan designs.
β What is a Companion Life short-term medical plan?
It is temporary health insurance for a gap in coverage, such as between jobs.
Companion Life Insurance Company underwrites it. However, it is short-term, limited-duration coverage, not comprehensive health insurance.
π Where this applies: Every state where Companion Life short-term plans are sold
β Who is Companion Life Insurance Company?
Companion Life Insurance Company is based in Columbia, South Carolina.
In fact, it has specialized in insurance benefits for more than 50 years.
π Where this applies: Every state where Companion Life short-term plans are sold
β What short-term plans does Companion Life offer?
Companion Life offers three short-term plan families: Classic, Choice 12-month and Core.
Classic comes in Economy, Choice, Standard and Deluxe options. Core plans include Core 1000 and Core 2000. In addition, Iowa has its own Classic version.
π Where this applies: Every state where Companion Life short-term plans are sold
β Is a Companion Life short-term plan the same as an ACA or Obamacare plan?
No, it has fewer benefits and federal protections than HealthCare.gov plans.
For example, it does not have to cover all essential health benefits. It also may not limit what you pay out of pocket the way ACA plans do.
π Where this applies: Every state where Companion Life short-term plans are sold
β Is a Companion Life short-term plan minimum essential coverage?
No, the Core disclosure states the coverage is not minimum essential coverage.
Also, if it ends or you lose eligibility, you may have to wait for open enrollment for other coverage.
π Where this applies: Every state where Companion Life short-term plans are sold
β Who are Companion Life short-term plans designed for?
They are built for people with a temporary gap in coverage.
For example, you might lose a job, miss open enrollment, or age off a parent's plan. They also fit people waiting for employer benefits or whose job offers none.
π Where this applies: Every state where Companion Life short-term plans are sold
β Can a Companion Life short-term plan turn me down because of my health?
Yes, you must be able to answer No to all the health questions on the application.
In fact, unlike HealthCare.gov plans, it can deny coverage or exclude preexisting conditions.
π Where this applies: Every state where Companion Life short-term plans are sold
β What is Communicating for America, and why is it part of my Companion Life plan?
In most states, these plans are available to members of Communicating for America (CA).
CA is an association promoting health and welfare, especially for rural self-employed people and small-business owners. However, it is not affiliated with Companion Life.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do I have to join an association to get a Companion Life short-term plan?
Not in every state, because some states offer these plans without association membership.
For example, Missouri and North Carolina plans come as individual coverage with no association membership. Oklahoma (Classic and Choice) also appears on that list.
π Where this applies: Missouri, North Carolina and Oklahoma
β What extra perks come with a Companion Life short-term plan?
You get free, unlimited 24/7 telemedicine doctor consultations and a prescription discount card.
In addition, hearing and audiology discounts are included. Patient advocates also help with care navigation and medical bill negotiation. However, these perks are not insurance.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do Companion Life short-term plans include telemedicine?
Yes, free and unlimited 24/7 telemedicine doctor consultations come as a non-insurance benefit.
The Classic brochure also lists questionnaire-based visits that a provider reviews.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do Companion Life plans include dermatology consults or medical equipment discounts?
Yes, some Companion Life plans include dermatology consultations and durable medical equipment discounts.
The Choice 12-month, Core and Iowa Classic brochures list these perks. However, they are non-insurance perks.
π Where this applies: Every state where Companion Life short-term plans are sold
β Who is eligible for a Companion Life short-term plan?
Members and their spouses through age 64 and 11 months can apply, plus dependent children.
Everyone must be able to answer No to all application health questions. However, membership is not required in all states.
π Where this applies: Every state where Companion Life short-term plans are sold
β Can I add my spouse and children to a Companion Life short-term plan?
Yes, dependents include a spouse or domestic partner and unmarried children under 26.
Stepchildren, foster and adopted children qualify as well. Some grandchildren under legal guardianship also qualify.
π Where this applies: Every state where Companion Life short-term plans are sold
β Can I cover my grandchild on a Companion Life short-term plan in Texas?
Yes, Texas plans include grandchildren under 25 who are claimed on your taxes.
π Where this applies: Texas
β What happens to my Companion Life short-term plan when I turn 65?
Coverage ends on the first day of the month you turn 65 or become Medicare eligible.
That is the time to move to Medicare.
π Where this applies: Every state where Companion Life short-term plans are sold
β How are newborns covered on a Companion Life short-term plan in Arkansas?
In Arkansas, newborns are eligible for the first 90 days, adopted children for the first 60 days.
Coverage also includes congenital conditions, prematurity and state-required newborn screenings.
π Where this applies: Arkansas
β What is the difference between the Companion Life Classic and Core plans?
Classic has no network and pays any provider using Medicare-based rates.
By contrast, Core uses the First Health PPO network and has lower deductibles. However, Core caps hospital, surgery and ER benefits per day or visit.
π Where this applies: Every state where Companion Life short-term plans are sold
β Which Companion Life short-term plan has the lowest out-of-pocket maximum?
Core 1000 lists the lowest out-of-pocket maximum at $2,000.
The Core 2000 maximum is $3,000, and Classic Deluxe starts at $4,000. However, Core also has per-day and per-visit limits on major care.
π Where this applies: Every state where Companion Life short-term plans are sold
β Which Companion Life short-term plan has the highest maximum benefit?
Classic and Choice 12-month plans offer up to $1,000,000 per coverage period.
By contrast, Core pays up to $750,000. In Indiana, Classic and Choice plans have a $2,000,000 total maximum.
π Where this applies: Every state where Companion Life short-term plans are sold
β Which Companion Life short-term plans include prescription coverage?
Classic Standard and Deluxe, and Core with the drug option, use $10, $30 and $75 copays.
However, Classic Economy and Choice options do not cover drugs outside Iowa. Meanwhile, the Choice 12-month plan is discount only.
π Where this applies: Every state where Companion Life short-term plans are sold
β Which Companion Life short-term plans have doctor office copays?
Classic Choice and Deluxe options, the Choice 12-month plan and Core plans have $30 and $60 office copays.
However, Core limits copays to the first 3 visits. By contrast, the Choice 12-month plan lists unlimited office visits.
π Where this applies: Every state where Companion Life short-term plans are sold
β How does ER coverage compare across Companion Life short-term plans?
Classic ER copays run $250 to $450 by option, and Choice 12-month is $250.
Core has a $250 copay plus a $500 per-visit benefit limit. Every plan also waives the copay if you are admitted.
π Where this applies: Every state where Companion Life short-term plans are sold
β How does hospital coverage compare across Companion Life short-term plans?
Classic and Choice 12-month plans pay hospital stays after deductible and coinsurance, up to the plan maximum.
By contrast, Core caps room and board at $1,000 per day and surgeon fees at $5,000 per period. A licensed agent can also compare them for you.
π Where this applies: Every state where Companion Life short-term plans are sold
β Which Companion Life short-term plans let me see any doctor?
Classic and Choice 12-month plans have no network at all.
Core members can also see any provider. In addition, Core adds negotiated rates with First Health Network providers.
π Where this applies: Every state where Companion Life short-term plans are sold
The Companion Life Core Plan
Core is a newer design with simple benefits. Here you can see what it pays and how it works.
β What is the Companion Life Core short-term plan?
Core plans focus on everyday care like doctor visits, with optional prescription coverage.
However, they have more limited coverage for major services such as hospital stays and surgery. They are aimed at people wanting lower deductibles.
π Where this applies: Every state where Companion Life short-term plans are sold
β What are the Companion Life Core 1000 and Core 2000 plans?
Core 1000 has a $1,000 deductible and a $2,000 out-of-pocket maximum.
By contrast, Core 2000 has a $2,000 deductible and a $3,000 out-of-pocket maximum. Both use 20% coinsurance. Also, the family maximum is 3 times the individual amount.
π Where this applies: Every state where Companion Life short-term plans are sold
β What is the maximum benefit on the Companion Life Core plan?
Core plans pay up to $750,000 per coverage period.
Separate limits also apply to hospital, surgery, ER and ambulance benefits.
π Where this applies: Every state where Companion Life short-term plans are sold
β How much are doctor visits on the Companion Life Core plan?
Primary care visits are a $30 copay, and specialist or urgent care visits are $60.
Copays apply to the first 3 visits combined. After that, visits go toward deductible and coinsurance.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Core plan cover prescriptions?
Core offers either a discount-only option or a prescription benefit.
The benefit pays $10 generics, $30 preferred and $75 non-preferred with no deductible. However, it is capped at $1,000 or $2,000 depending on coverage length.
π Where this applies: Every state where Companion Life short-term plans are sold
β What does an ER visit cost on the Companion Life Core plan?
On Core, you pay a $250 ER copay, then deductible and coinsurance.
The ER benefit is limited to $500 per visit, including the ER doctor, X-rays, labs and supplies. However, if you are admitted, the copay and $500 limit are waived.
π Where this applies: Every state where Companion Life short-term plans are sold
β How much does the Companion Life Core plan pay for a hospital stay?
Room and board pays up to $1,000 per day, and ICU up to $1,250 per day.
Both apply after deductible and coinsurance. They are also limited to 90% of the private room rate. In addition, you pay any charges above these limits.
π Where this applies: Every state where Companion Life short-term plans are sold
β How much does the Companion Life Core plan pay for surgery?
Surgeon services pay up to $2,500 per surgery and $5,000 per coverage period.
Also, outpatient surgical facility charges pay up to $1,000 per day. Both apply after deductible and coinsurance.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Core plan cover ambulance rides?
Yes, ground and air ambulance each pay up to $250 per trip, after deductible and coinsurance.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Core plan cover skilled nursing or home health care?
Yes, skilled nursing pays up to $150 per day for up to 60 days per coverage period.
Home health care also covers 1 visit per day, up to 40 days.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Core plan cover a preventive exam?
Yes, Core covers one preventive exam up to $200 per coverage period.
However, the benefit table says the deductible applies, while the feature list says paid 100%. Because the two differ, confirm with your certificate.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Core plan cover well-child care?
Yes, Core covers routine child care after deductible and coinsurance.
However, immunizations are not subject to the deductible.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Core plan cover physical therapy?
Yes, Core covers physical therapy for rehabilitation only.
Speech, occupational and physical therapy pay up to $50 per visit, one visit per day, after deductible and coinsurance.
π Where this applies: Every state where Companion Life short-term plans are sold
β How long can I keep a Companion Life Core plan?
The Core plan page says durations range from one month to one year in select states.
Ask a licensed agent which lengths are offered where you live.
π Where this applies: Every state where Companion Life short-term plans are sold
The Companion Life Classic Plan
Classic is the long-standing Companion Life design. In addition, Iowa has its own Classic version.
β What are the Companion Life Classic plan options?
Classic has four options: Economy, Choice, Standard and Deluxe.
They differ in deductibles, coinsurance, office copays, prescription coverage and maximum benefits.
π Where this applies: Every state where these plans are sold, except Iowa
β What deductibles are available on the Companion Life Classic plan?
Classic deductibles run from $1,000 to $10,000, depending on the option.
Economy offers $3,000 to $10,000, and Choice offers $1,000 to $5,000. Meanwhile, Standard offers $2,000 to $5,000, and Deluxe offers $1,000 to $5,000.
π Where this applies: Every state where these plans are sold, except Iowa
β What is the coinsurance on the Companion Life Classic plan?
You pay 20% or 30% coinsurance on the Economy and Choice options.
By contrast, Standard and Deluxe use 20% coinsurance.
π Where this applies: Every state where Companion Life short-term plans are sold
β What is the out-of-pocket maximum on the Companion Life Classic plan?
The Classic out-of-pocket maximum depends on which option you choose.
Deluxe runs $4,000 to $8,000, and Standard runs $7,000 to $10,000. Choice runs $11,000 to $20,000, and Economy $13,000 to $20,000. The maximum includes deductible, coinsurance and medical copays. Also, the family maximum is 3 times the individual amount.
π Where this applies: Every state where these plans are sold, except Iowa
β What is the maximum benefit on the Companion Life Classic plan?
Economy and Choice offer $100,000, $250,000, $500,000 or $1,000,000 per coverage period.
Standard offers $250,000 or $500,000, and Deluxe offers $500,000 or $1,000,000. However, Indiana plans have a $2,000,000 total maximum by state rule.
π Where this applies: Every state where these plans are sold, except Iowa
β How much is a doctor visit on the Companion Life Classic plan?
On the Choice and Deluxe options, primary care visits are a $30 copay.
Specialist and urgent care visits are $60. On Economy and Standard, however, visits go toward deductible and coinsurance. Also, extra services during a visit fall under deductible and coinsurance.
π Where this applies: Every state where these plans are sold, except Iowa
β What does an emergency room visit cost on the Companion Life Classic plan?
Unless you are admitted, you pay an ER copay that varies by option.
The copay is $450 on Economy, $350 on Standard, and $250 on Choice and Deluxe. However, if you are admitted as an inpatient, deductible and coinsurance apply instead.
π Where this applies: Every state where Companion Life short-term plans are sold
β How are hospital stays covered on the Companion Life Classic plan?
Hospital stays fall under deductible and coinsurance on the Classic plan.
However, Economy adds a $750 copay first, and Standard adds a $500 copay. Also, the plan limits room charges to 90% of the private room rate.
π Where this applies: Every state where Companion Life short-term plans are sold
β Is outpatient surgery covered on the Companion Life Classic plan?
Yes, outpatient surgical facility charges go toward deductible and coinsurance.
However, the Economy option adds a $500 copay first.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Classic plan cover prescriptions?
Only the Standard and Deluxe options cover prescriptions on the Classic plan.
Those options pay $10 generics, $30 preferred and $75 non-preferred drugs, with no deductible. By contrast, Economy and Choice options do not cover prescriptions. Also, mail order is not covered.
π Where this applies: Every state where these plans are sold, except Iowa
β Is there a limit on prescription benefits on Companion Life Classic and Core plans?
Yes, drug benefits are capped at $1,000 for coverage periods of 6 months or less.
For coverage periods longer than 6 months, the cap is $2,000.
π Where this applies: Every state where these plans are sold, except Iowa
β Is the Companion Life Classic plan different in Iowa?
Yes, Iowa has its own Classic brochure and policy form.
Deductibles, maximum benefits, prescription coverage and several limits also differ from other states.
π Where this applies: Iowa
β What deductibles does the Companion Life Classic plan offer in Iowa?
Iowa Classic deductibles depend on the option you choose.
Economy offers $3,000, $5,000, $7,500 or $10,000. In addition, Choice offers $1,000, $2,000, $2,500, $5,000 or $10,000. Finally, Standard offers $2,000, $3,000 or $5,000, and Deluxe $1,000, $2,500 or $5,000.
π Where this applies: Iowa
β What is the out-of-pocket maximum on the Companion Life Classic plan in Iowa?
In Iowa, the Classic out-of-pocket maximum depends on the option.
Deluxe runs $4,000 to $8,000 and Standard $7,000 to $10,000. Meanwhile, Choice runs $11,000 to $20,000, and Economy $13,000 to $20,000. Also, the family maximum is 3 times the individual amount.
π Where this applies: Iowa
β What is the maximum benefit on the Companion Life Classic plan in Iowa?
In Iowa, Economy, Choice and Deluxe offer $500,000 or $1,000,000 per coverage period.
Standard offers $500,000. In fact, Iowa rules set a minimum overall maximum of $500,000.
π Where this applies: Iowa
β Does the Companion Life Classic plan cover prescriptions in Iowa?
Yes, every Iowa Classic option covers some prescription drugs.
Economy and Choice pay generics with a $10 copay and no deductible, but not brand drugs. By contrast, Standard and Deluxe have a $500 drug deductible, then $10, $30 and $75 copays. Also, mail order is not covered.
π Where this applies: Iowa
β Do Iowa Companion Life Classic drug costs have their own out-of-pocket limit?
The state summary says Iowa drug benefits have a separate $10,000 out-of-pocket maximum.
However, specialty drugs are not covered. Confirm current drug terms in your certificate.
π Where this applies: Iowa
β How many doctor copay visits do I get on the Iowa Companion Life Classic Deluxe option?
You get 3 copay visits combined on the Iowa Classic Deluxe option.
Those visits use the $30 primary and $60 specialist or urgent care copays. After that, visits go toward deductible and coinsurance. By contrast, the Iowa Choice option lists $30 and $60 copays without that 3-visit note.
π Where this applies: Iowa
β How is ambulance covered on the Companion Life Classic plan in Iowa?
Iowa Classic covers up to 2 ground ambulance trips and 1 air ambulance trip.
However, both are subject to deductible and coinsurance.
π Where this applies: Iowa
β Does the Iowa Companion Life Classic plan have dollar limits on therapy and substance use care?
No, the Iowa Classic plan uses visit and day limits instead of dollar limits.
For example, therapy allows 20 visits combined, one per day. Substance use care is 31 inpatient days and 10 outpatient visits. Also, prosthetics have no dollar cap.
π Where this applies: Iowa
β What preventive care does the Iowa Companion Life Classic plan cover?
Iowa Classic covers one preventive exam per coverage period.
The state summary also says Iowa wellness services include a routine physical, immunizations, mammograms, PSA tests and pap tests.
π Where this applies: Iowa
The Companion Life Choice 12-Month Plan
Choice is built for a full 12 months of coverage. So see how its terms and benefits work.
β What is the Companion Life Choice 12-month short-term plan?
It is a single plan design with benefits built for a 12-month coverage period.
Plus, it has 20% coinsurance, office visit copays and no network restrictions.
π Where this applies: Every state where Companion Life short-term plans are sold
β Is the Companion Life Choice 12-month plan the same as the Classic Choice option?
No, the Choice 12-month plan and the Classic Choice option are different.
The Classic Choice option has $1,000 to $5,000 deductibles and 20% or 30% coinsurance. By contrast, the Choice 12-month plan has $2,500 to $10,000 deductibles and 20% coinsurance. It also has a $10,000 out-of-pocket maximum.
π Where this applies: Every state where these plans are sold, except Iowa
β What deductibles are available on the Companion Life Choice 12-month plan?
You can choose a $2,500, $5,000 or $10,000 deductible.
Coinsurance is 20% as well.
π Where this applies: Every state where Companion Life short-term plans are sold
β What is the out-of-pocket maximum on the Companion Life Choice 12-month plan?
The brochure lists a $10,000 out-of-pocket maximum, with a family maximum 3 times that.
However, its footnote suggests the deductible and copays may not count toward it. Confirm the details in your certificate.
π Where this applies: Every state where Companion Life short-term plans are sold
β What is the maximum benefit on the Companion Life Choice 12-month plan?
You can choose $250,000, $500,000 or $1,000,000 per coverage period.
In Indiana, however, the total maximum is $2,000,000.
π Where this applies: Every state where Companion Life short-term plans are sold
β How much are doctor visits on the Companion Life Choice 12-month plan?
Primary care visits are a $30 copay on the Choice 12-month plan.
Specialist and urgent care facility visits are a $60 copay. The brochure also lists unlimited doctor office visits.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Choice 12-month plan cover prescriptions?
Prescriptions are discount only on the Companion Life Choice 12-month plan.
You get a prescription drug discount card. However, the plan does not pay for drugs as an insurance benefit.
π Where this applies: Every state where Companion Life short-term plans are sold
β What does an ER visit cost on the Companion Life Choice 12-month plan?
You pay a $250 ER copay unless you are admitted as an inpatient.
If you are admitted, deductible and coinsurance apply instead.
π Where this applies: Every state where Companion Life short-term plans are sold
β How are hospital stays and surgery covered on the Companion Life Choice 12-month plan?
Hospital stays and outpatient surgical facility charges go toward deductible and coinsurance.
The plan then pays them up to your chosen maximum benefit.
π Where this applies: Every state where Companion Life short-term plans are sold
Covered Services, Networks and Doctors
These answers explain what the plans pay for and which doctors you can see. As a result, you can plan your care.
β Does the Companion Life Classic plan have a network?
No, Classic and Choice 12-month plans have no doctor or hospital network restrictions.
So you can see any licensed provider or facility in the U.S.
π Where this applies: Every state where Companion Life short-term plans are sold
β How does reference-based pricing work on Companion Life Classic and Choice plans?
The plan pays providers based on Medicare rates instead of network contracts.
For example, it pays doctor and professional services at 125% of the Medicare allowable amount. Facilities, by contrast, get 150%.
π Where this applies: Every state where Companion Life short-term plans are sold
β What do I tell my doctor about my Companion Life open access plan?
Show your ID card and explain the plan uses no network and accepts any licensed provider.
Claim filing instructions also appear on the card. In addition, the office can verify benefits by phone before your visit.
π Where this applies: Every state where Companion Life short-term plans are sold
β What if a doctor is unsure about accepting my Companion Life open access plan?
Share the Provider Payment Instructions Letter, which explains payment and how to verify benefits.
A provider concierge service can also help find a provider and verify benefits ahead of time.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do Companion Life open access plans protect me from balance billing?
Yes, according to the open access flyer, these plans include balance billing protection.
If a provider bills you for the difference above the allowed amount, contact the carrier and send that bill. They then negotiate with the provider. As a result, you owe only what your Explanation of Benefits shows.
π Where this applies: Every state where Companion Life short-term plans are sold
β How much does a Companion Life open access plan pay providers compared with Medicare?
The flyer says it pays up to 50% more than Medicare for facilities and 25% more for providers.
It also cites an average discount of 69% on claims.
π Where this applies: Every state where Companion Life short-term plans are sold
β How do I find a doctor with a Companion Life open access plan?
You can see any licensed provider on a Companion Life open access plan.
In addition, the included advocacy service has a mobile app to find doctors, labs and imaging centers near you.
π Where this applies: Every state where Companion Life short-term plans are sold
β Who can help me lower a large medical bill on a Companion Life short-term plan?
Contact the carrier for help negotiating your final bill or setting up a payment plan.
Bill negotiation is also part of the included patient advocacy perks.
π Where this applies: Every state where Companion Life short-term plans are sold
β What network does the Companion Life Core plan use?
Core plans give you access to the First Health Network.
In fact, it includes more than 6,100 hospitals, 130,000 ancillary facilities and 845,000 professional providers. These providers agreed to negotiated rates.
π Where this applies: Every state where Companion Life short-term plans are sold
β Can I see a doctor outside the First Health Network on a Companion Life Core plan?
Yes, Core members can choose to see any provider.
The First Health Network is not an insurance benefit. Instead, it gives you access to negotiated rates.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do I need pre-authorization for a hospital stay on a Companion Life open access plan?
Yes, pre-authorize all inpatient hospital stays, inpatient surgeries and organ transplants, per the sample ID card.
To get pre-authorization, contact the carrier.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover preventive care?
Yes, Classic and Choice 12-month plans cover one preventive exam per coverage period, up to $200.
In addition, children's immunizations are not subject to the deductible. Iowa, by contrast, covers one exam without the dollar cap.
π Where this applies: Every state where Companion Life short-term plans are sold
β Are mammograms and OB-GYN exams covered on Companion Life short-term plans?
Yes, mammograms, an annual OB-GYN exam and ovarian cancer monitoring are covered after deductible and coinsurance.
In Florida, however, the deductible does not apply to mammograms or the annual OB-GYN exam.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do Companion Life short-term plans cover colorectal and prostate cancer screening?
Yes, colorectal cancer and prostate screening are listed plan features.
However, the plans exclude other cancer screenings unless the policy expressly provides them.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do Companion Life short-term plans cover mental health care?
Yes, inpatient and outpatient mental disorder care is covered after deductible and coinsurance.
This applies to Classic, Choice 12-month and Core plans.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do Companion Life short-term plans cover substance abuse treatment?
Yes, Companion Life short-term plans cover substance use treatment, with limits.
Inpatient care pays up to $100 per day for 31 days. Outpatient care pays up to $50 per day for 10 visits. Iowa, however, uses the same day and visit limits without dollar caps.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do Companion Life short-term plans cover organ transplants?
Yes, but organ and tissue transplants are capped at $10,000 per coverage period.
Deductible and coinsurance apply first.
π Where this applies: Every state where Companion Life short-term plans are sold
β Do Companion Life short-term plans cover HIV treatment?
Yes, HIV coverage is a listed feature of the Classic, Choice 12-month and Core plans.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the Companion Life Classic or Choice plan cover physical therapy?
Yes, Classic and Choice plans cover physical therapy for rehabilitation only.
After deductible and coinsurance, it pays up to $50 per day, one visit per day. Speech, occupational and physical therapy also share a 20-visit limit per coverage period.
π Where this applies: Every state where these plans are sold, except Iowa
β Does the Companion Life Classic or Choice plan cover ambulance rides?
Yes, ground ambulance pays up to $1,000 per trip and air ambulance up to $2,500 per trip.
However, deductible and coinsurance apply.
π Where this applies: Every state where these plans are sold, except Iowa
β Does the Companion Life Classic or Choice plan cover home health care?
Yes, home health care is covered after deductible and coinsurance.
It covers up to 40 visits per coverage period, limited to one visit per day.
π Where this applies: Every state where Companion Life short-term plans are sold
β Are prosthetics and orthotics covered on Companion Life short-term plans?
Yes, prosthetics and orthotics are covered after deductible and coinsurance.
Classic and Choice 12-month plans pay up to $2,500 per coverage period. By contrast, Iowa Classic plans have no dollar cap.
π Where this applies: Every state where Companion Life short-term plans are sold
β Are sports injuries covered on Companion Life short-term plans?
Yes, athletic injuries are covered like any other illness or accident.
However, professional, semi-professional and extreme sports injuries are excluded.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover joint, neck or back problems?
Joint, neck and spine injury coverage is a listed plan feature.
However, joint, neck and spine muscular disorders have a 3-month waiting period, unless treated as an emergency. Spinal manipulation and non-surgical spine treatment are also excluded.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover joint replacement?
It covers joint replacement only when it is related to an accidental injury.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover pregnancy or maternity care?
Do not count on it, because maternity is not listed as a benefit.
In fact, the Iowa brochure excludes routine pregnancy and childbirth except complications. Abortion is excluded except for complications or risk to the mother's life. By contrast, an ACA plan covers maternity.
π Where this applies: Every state where Companion Life short-term plans are sold
β Are newborns covered on a Companion Life short-term plan?
A newborn or newly adopted child added to coverage is not subject to the preexisting condition exclusion.
However, the plan excludes newborn hospital charges unless needed for prematurity, congenital conditions, or illness or injury at birth.
π Where this applies: Every state where Companion Life short-term plans are sold
Pre-Existing Conditions, Exclusions and Waiting Periods
Short-term plans have limits that ACA plans do not. For that reason, check these answers before you buy.
β What is not covered by a Companion Life short-term plan?
Besides preexisting conditions, exclusions include kidney disease, cataracts, sleep disorders, and chronic fatigue or pain disorders.
The plans also exclude cosmetic care, weight loss surgery, infertility treatment and experimental treatment. However, benefits and exclusions can vary by state.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover dental care?
It covers dental care only for injury to sound natural teeth.
You must contact a doctor within 72 hours of the accident, unless the injury's severity prevents it. However, routine dental care is not covered.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover vision or hearing care?
No, glasses, contacts, hearing aids, and vision and hearing exams are excluded.
Eye surgery like LASIK to correct vision is also excluded.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover weight-loss surgery?
No, weight modification and surgical treatment of obesity are excluded.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover fertility treatment or birth control?
No, drugs, treatments or procedures that promote or prevent conception are excluded.
This includes infertility treatment, artificial insemination and sterilization or its reversal.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover kidney disease or dialysis?
No, the brochures exclude kidney or end-stage renal disease.
However, the state summary says Tennessee plans must cover it.
π Where this applies: Every state where sold (Tennessee differs)
β Do Companion Life Classic and Choice plans cover cell or gene therapy?
No, the Classic and Choice 12-month brochures exclude cell and gene therapy.
That includes related drugs and treatments. However, the exclusion does not apply to chemotherapy.
π Where this applies: Every state where Companion Life short-term plans are sold
β Am I covered outside the U.S. on a Companion Life short-term plan?
No, services received or supplies bought in a foreign country are excluded.
However, Texas plans must cover emergency services outside the U.S., per the state summary.
π Where this applies: Every state where sold (Texas differs)
β Are hazardous activities excluded on a Companion Life short-term plan?
Yes, injuries from extreme sports, skydiving, hang-gliding, scuba diving, climbing, racing or rodeo are excluded.
So is flying a non-commercial aircraft. Injuries while training for these activities are also excluded.
π Where this applies: Every state where Companion Life short-term plans are sold
β Are work injuries covered on a Companion Life short-term plan?
No, not if you are insured by workers' compensation or occupational disease coverage.
Instead, that coverage should pay.
π Where this applies: Every state where Companion Life short-term plans are sold
β Are injuries while drunk or high covered on a Companion Life short-term plan?
No, injuries from being intoxicated or under the influence of non-prescribed drugs are excluded.
However, some states, like Nevada, do not allow this exclusion.
π Where this applies: Every state where sold (Nevada differs)
β Does a Companion Life short-term plan pay if I have Medicare or other insurance?
The plan excludes expenses payable by Medicare or another government program, except Medicaid.
It also excludes expenses paid or payable by other insurance.
π Where this applies: Every state where Companion Life short-term plans are sold
β Is there a waiting period on a Companion Life short-term plan?
Yes, illnesses that start in the first 3 days are not covered.
Also, cancer that arises in the first 30 days is not covered. After that, they are covered like any other condition.
π Where this applies: Every state where Companion Life short-term plans are sold
β Which procedures have a 3-month waiting period on a Companion Life short-term plan?
Several surgeries and procedures have a 3-month waiting period on Companion Life short-term plans.
These include tonsil, adenoid, gallbladder, hernia, sinus or deviated septum surgery and ear tube procedures. Hysterectomy, unless for cancer, is also included. So are joint, neck and spine muscular disorders.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does the 3-month waiting period apply in an emergency on a Companion Life plan?
No, the 3-month waiting period does not apply when treatment is given on an emergency basis.
π Where this applies: Every state where Companion Life short-term plans are sold
β Does a Companion Life short-term plan cover preexisting conditions?
Generally no, because the plans have a preexisting condition exclusion.
However, it does not apply to a newborn or newly adopted child added to coverage.
π Where this applies: Every state where Companion Life short-term plans are sold
β What counts as a preexisting condition on a Companion Life short-term plan?
In most states, it is a condition treated, diagnosed or advised on in the 24 months before coverage.
It also includes symptoms that would have led a reasonable person to seek care then.
π Where this applies: Every state where Companion Life short-term plans are sold
β How long are preexisting conditions excluded on a Companion Life short-term plan?
Companion Life's state chart lists a 1-year exclusion for conditions treated within the look-back period.
Check your certificate for how this applies to your coverage period.
π Where this applies: Every state where Companion Life short-term plans are sold
β Which states use the 24-month preexisting look-back on Companion Life short-term plans?
The 24-month look-back covers both treatment and symptoms in the prior 24 months.
These states use it: Alabama, Arizona, Arkansas, Florida, Iowa, Kentucky, Louisiana, Michigan, Nevada, Ohio, Oklahoma, Tennessee and West Virginia.
π Where this applies: Florida, Arizona, Tennessee and 10 more states
β What is the preexisting condition rule on a Companion Life short-term plan in Florida?
Florida uses the 24-month look-back for treatment and symptoms.
However, routine follow-up to check whether breast cancer has returned does not count, unless cancer is found.
π Where this applies: Florida
β What is the preexisting condition rule on a Companion Life short-term plan in Georgia?
Georgia looks back 6 months for treatment, diagnosis or advice.
Preventive services do not count. By contrast, Georgia looks back 24 months for symptoms.
π Where this applies: Georgia
β What is the preexisting condition rule on a Companion Life short-term plan in Texas?
Texas looks back 12 months for treatment, diagnosis or advice.
However, symptoms alone do not create a preexisting condition.
π Where this applies: Texas
β What is the preexisting condition rule on a Companion Life short-term plan in Indiana or Mississippi?
Indiana looks back 12 months for both treatment and symptoms.
By contrast, Mississippi looks back only 6 months for both.
π Where this applies: Indiana and Mississippi
β What is the preexisting condition rule on a Companion Life short-term plan in Wyoming?
Wyoming looks back 6 months for treatment, diagnosis or advice.
However, symptoms alone cannot be excluded.
π Where this applies: Wyoming
β Do any states ignore symptoms in the Companion Life preexisting condition definition?
Yes, Nebraska and Wisconsin count only treatment, diagnosis or advice in the prior 24 months.
Texas (12 months) and Wyoming (6 months) ignore symptoms as well.
π Where this applies: Nebraska, Wisconsin, Texas and Wyoming
β Is pregnancy a preexisting condition on a Companion Life short-term plan in Tennessee?
Yes, in Tennessee, a pregnancy that exists on your effective date counts as a preexisting condition.
π Where this applies: Tennessee
Enrollment, Cancellation and Claims
These answers cover start dates, plan length, cancellation and claims. Also, see how to get help with a claim.
β When does Companion Life short-term coverage start?
Coverage starts on the effective date shown on your ID card once you are approved.
However, illnesses that begin in the first 3 days and cancer in the first 30 days are not covered.
π Where this applies: Every state where Companion Life short-term plans are sold
β How long can I keep a Companion Life short-term plan?
It depends on the plan and your state.
For example, the Choice plan is built for 12 months. Core, meanwhile, runs one month to one year in select states. A licensed agent can confirm the lengths offered where you live.
π Where this applies: Every state where Companion Life short-term plans are sold
β Can I renew a Companion Life short-term plan?
No, these are nonrenewable short-term policies that stop at the end of your coverage period.
However, some states let you apply for a new plan after a waiting period.
π Where this applies: Every state where Companion Life short-term plans are sold
β What if I move to another state while on a Companion Life short-term plan?
If you move where these plans are not sold, a new policy cannot be issued when yours expires.
π Where this applies: Every state where Companion Life short-term plans are sold
β How long can I have a Companion Life short-term plan in Michigan?
Michigan limits short-term coverage to 185 days in any 365-day period.
After that, you need a 180-day break from any carrier's short-term plan before reapplying.
π Where this applies: Michigan
β How soon can I reapply for a Companion Life short-term plan in Nevada?
After 185 days of short-term coverage in the past 365, you must wait 180 days to reapply.
π Where this applies: Nevada
β How soon can I reapply for a Companion Life short-term plan in Texas or Wisconsin?
After 18 consecutive months of Companion Life short-term coverage, you must wait 63 days to apply again.
π Where this applies: Texas and Wisconsin
β How soon can I reapply for a Companion Life short-term plan in West Virginia?
The older state summary lists a 64-day wait after a Companion Life policy ends in West Virginia.
π Where this applies: West Virginia
β Can I cancel a Companion Life short-term plan and get a refund?
Yes, you can cancel for a full refund within the free look period.
Ask to cancel within 10 days of receiving your plan, using the contact info on your ID card. Then your coverage is canceled back to the effective date, and your premium is fully refunded.
π Where this applies: Every state where Companion Life short-term plans are sold
β Is the free look period longer in some states for Companion Life short-term plans?
Yes, Indiana and Louisiana allow 30 days instead of 10 days.
π Where this applies: Indiana and Louisiana
β Can I cancel my Companion Life short-term plan after the free look period?
Yes, coverage ends on the date you ask Companion Life to end it.
However, the plan materials do not describe a refund for cancellations after the free look period.
π Where this applies: Every state where Companion Life short-term plans are sold
β When does Companion Life short-term coverage end?
It ends when your coverage period ends, or sooner if you stop paying or ask to cancel.
Coverage also ends when you turn 65, become Medicare eligible, or reach the overall maximum benefit.
π Where this applies: Every state where Companion Life short-term plans are sold
β What happens to my Companion Life short-term plan if I join the military?
Coverage ends when you enter active duty, except reserve duty of 30 days or less.
Tell Companion Life in writing, and then your unused premium is refunded pro rata.
π Where this applies: Every state where Companion Life short-term plans are sold
β How do I file a claim on a Companion Life open access plan?
Usually your provider files it using the claims address on your ID card.
You then get an Explanation of Benefits showing the charge, the discount and what you owe.
π Where this applies: Every state where Companion Life short-term plans are sold
β What if my doctor will not file a claim with my Companion Life short-term plan?
You can submit a manual claim form with an itemized bill and required documents.
The plan then processes the claim under its payment terms.
π Where this applies: Every state where Companion Life short-term plans are sold
Companion Life Rules by State
Each state sets its own short-term rules. So check the answers for the state where you live.
β Which states does the Companion Life short-term state mandate summary cover?
The current summary covers Alabama, Arizona, Arkansas, Florida, Georgia, Indiana, Iowa, Kentucky, Louisiana and Michigan.
It also covers Mississippi, Nebraska, Nevada, Ohio, Oklahoma, Tennessee, Texas, West Virginia, Wisconsin and Wyoming. Availability changes, so confirm your state with a licensed agent.
π Where this applies: Florida, Texas, Georgia and 17 more states
β What extra benefits do Florida Companion Life short-term plans include?
Florida waives the deductible on mammograms, pap tests and the annual OB-GYN exam.
The deductible waiver also applies to routine child care to age 16. In addition, plans cover cleft lip and palate care for children under 18. Plans also cover newborn transport to the nearest facility, up to $1,000.
π Where this applies: Florida
β Do Florida Companion Life short-term plans cover TMJ or osteoporosis?
Yes, Florida plans cannot exclude TMJ, though a limit may apply.
Plans also cover osteoporosis care for people with certain risk factors.
π Where this applies: Florida
β Which state law governs a Companion Life short-term plan in Florida or Arizona?
The Companion Life group policy is issued in Delaware.
Also, Florida and Arizona certificates note that another state's laws mainly govern the policy.
π Where this applies: Florida and Arizona
β What extra benefits do Texas Companion Life short-term plans include?
Texas plans cover autism up to $36,000 per year and mental disorders without limits.
They also cover chemical dependency like any illness. In addition, plans cover hearing aids for children 18 and under and emergency care outside the U.S.
π Where this applies: Texas
β What other Texas rules apply to Companion Life short-term plans?
Texas home health care must allow at least 60 visits, and TMJ has no limits.
Plans also cannot exclude mountain climbing or biofeedback. In addition, the insurer must pay claims within 60 days.
π Where this applies: Texas
β What does Georgia require on Companion Life short-term plans?
Georgia plans must cover AIDS and HIV-related care without benefit limits.
Also, the preexisting look-back for treatment is only 6 months.
π Where this applies: Georgia
β What does Kentucky require on Companion Life short-term plans?
Kentucky plans must cover mental disorders, AIDS and TMJ without limits.
Home health care must also allow at least 60 visits. In addition, licensed psychologists, chiropractors and other listed providers count as doctors.
π Where this applies: Kentucky
β What does Tennessee require on Companion Life short-term plans?
Tennessee plans must cover AIDS and HIV without inside limits.
They also cannot exclude kidney disease or TMJ. Plans cover hearing aids under age 18 up to $1,000 each every three years. In addition, plans treat spinal manipulation like any doctor visit.
π Where this applies: Tennessee
β What does Nevada require on Companion Life short-term plans?
In Nevada, severe mental illness and substance abuse each get 40 inpatient and 40 outpatient days.
These benefits have no dollar limits. TMJ also pays 80% up to $2,500 per coverage period. However, plans cannot exclude injury while intoxicated unless it happens during a felony.
π Where this applies: Nevada
β What does Arkansas require on Companion Life short-term plans?
Arkansas plans cover autism to age 18, up to $50,000 per year.
Plans also cover telehealth, including real-time audio-only visits. In addition, they cover gastric pacemakers for gastroparesis.
π Where this applies: Arkansas
β What does Mississippi require on Companion Life short-term plans?
Mississippi plans cover applied behavior analysis for autism to age 8.
Also, TMJ and craniomandibular disorders have a minimum limit of $5,000 per coverage period.
π Where this applies: Mississippi
β What does Ohio require on Companion Life short-term plans?
Ohio plans cover autism screening, diagnosis and treatment under age 14, with some visit limits.
Routine child services also run to at least age 9, and immunizations skip the deductible.
π Where this applies: Ohio
β What does Nebraska require on Companion Life short-term plans?
Nebraska plans cover child immunizations to age 16 without the deductible.
They also cover oral chemotherapy the same as injected chemotherapy. In addition, the preexisting definition does not include symptoms.
π Where this applies: Nebraska
β What does Louisiana require on Companion Life short-term plans?
Louisiana plans cannot exclude chiropractic care and give a 30-day free look.
Also, you get 45 days of written notice before premium rate changes.
π Where this applies: Louisiana
β What does Arizona require on Companion Life short-term plans?
Arizona plans must cover AIDS like any other sickness and must cover telehealth.
They also cover chiropractors the same as doctors. In addition, plans cannot exclude care from immediate family members.
π Where this applies: Arizona
β What does Oklahoma require on Companion Life short-term plans?
In Oklahoma, plans can exclude hazardous activities only if you are paid to take part.
Waiting periods can apply only to hernia repair, joint, neck and spine disorders, reproductive organ disorders or varicose veins.
π Where this applies: Oklahoma
β What does West Virginia require on Companion Life short-term plans?
West Virginia plans cover chronic pain treatment up to 20 office visits.
They also cover rehab services for stroke, spinal cord injury, brain injury, amputation, burns and other listed conditions.
π Where this applies: West Virginia
β What does Wyoming require on Companion Life short-term plans?
Wyoming uses a 6-month preexisting look-back and cannot exclude based on symptoms.
Also, the insurer must pay claims within 45 days. In addition, plans include an internal and external appeals process.
π Where this applies: Wyoming
β What does Indiana require on Companion Life short-term plans?
Indiana plans have a $2,000,000 overall maximum and a 30-day free look.
Newborn coverage also includes cleft lip and palate treatment. In addition, plans cover telehealth under the same rules as other services.
π Where this applies: Indiana
π More Short-Term Coverage Guides
These answers cover each Companion Life short-term plan. When you want more depth, these guides from our licensed agents explain how short-term coverage works. Then, if a question comes up, call 888-730-6001 anytime.
π Short-Term Coverage Guides
𧩠More Short-Term FAQ Libraries
π Questions About Companion Life Short-Term Plans?
These answers cover the most common Companion Life questions, but every situation is different. Therefore, our licensed agents compare short-term and ACA plans 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 Companion Life products. We are not Companion Life or its affiliates. Short-term plans are not ACA coverage and may not cover pre-existing conditions. Plans and availability vary by state.