MyPriority Short-term plans

Short-term insurance plans do not cover pre-existing conditions. This means any illness, injury or condition for which you received medical care or treatment for within the past five years won't be covered under a short-term plan.

With a MyPriority Individual and family plan, you can't be turned down due to pre-existing conditions like chronic illnesses. In addition, all MyPriority ACA Individual and family plans include chronic condition management, which means that certain services, supplies, and prescriptions used to treat common long-term health conditions are covered before deductible with cost share or in full.

Examples of pre-existing conditions include:

• Heart disorders
• Emphysema or chronic obstructive pulmonary disease (COPD)
• Crohn's disease, ulcerative colitis or hepatitis
• AIDS or tested positive for HIV
• Stroke
• Diabetes (except gestational diabetes)
• Cancer or tumor (except basal cell skin cancer which has been removed)
• Alcoholism, chemical dependency, drug or alcohol abuse

No. Preventive care services are not covered under short-term insurance plans. You would be responsible for all preventive care costs.

With a MyPriority Individual and family plan, preventive care is covered in full, before your deductible is met. This includes wellness exams, immunizations and certain cancer screenings.

No. Maternity care is not covered under a MyPriority Short-term plan. You would be responsible for all costs.

With a MyPriority Individual and family plan, routine prenatal and postnatal care is covered in full, before your deductible is met. Labor and delivery care is covered at the inpatient hospital visit cost-share.

With a MyPriority Short-term plan, you'll get Priority Health's discounted cost on your prescription drugs at in-network pharmacies, which is significantly lower than the retail price.

With a MyPriority Individual and family plan, you'll get low prescription copays on Tier 1 generic drugs and have access to a program that automatically helps members save money at in-network pharmacies.

You can enroll in a MyPriority Short-term plan any time and get coverage as soon as the next day¹.

With a MyPriority Individual and family plan, you can enroll during Open Enrollment Period (OEP), which takes place from Nov. 1 to Jan. 15 each year. You may be able to enroll outside OEP if you have a qualifying life event; this would make you eligible for a Special Enrollment Period (SEP).

No. Short-term insurance plans are not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act (ACA), and it's not considered Minimum Essential Coverage (MEC).

MyPriority Individual and family plans are ACA-compliant, which means – unlike short-term plans – there's no coverage maximums and you can't be turned down due to pre-existing conditions like chronic illnesses. ACA plans must also include coverage for the following 10 essential benefits:

• Hospitalization
• Ambulatory services (doctor visits and outpatient hospital care)
• Emergency services
• Maternity and newborn care
• Mental health and substance abuse treatment
• Prescription drugs
• Lab work
• Preventive care services
• Pediatric dental and vision care
• Rehabilitative and habilitative services

No. Since short-term insurance plans don't meet Affordable Care Act (ACA) requirements, they aren't eligible for federal subsidies to help with coverage costs.

If you choose an ACA compliant plan, such as a MyPriority Individual and family plan, you may be eligible for financial assistance through premium tax credits and cost-sharing reductions. When you shop for a MyPriority plan, we'll see if you qualify for this assistance and show you the best plan to meet your needs.

To learn more about how premium tax credits and cost-sharing reductions can save you money, visit our Learning Center.

Short-term limited-duration insurance plans are designed to provide temporary coverage. In Michigan, these plans are generally limited to 185 days of coverage within a 365-day period with the same insurer and cannot be renewed or extended beyond that limit.

MyPriority Short-term plans provide coverage for up to three months, with the option to extend coverage for one additional month if eligible. Because these plans are designed for temporary coverage needs, be sure to review the plan's benefits, limitations and exclusions carefully to determine whether it meets your needs.