Pivot Health

• Powered by HealthCare.com
• Emphasis on Data
• Specialization in Short-Term Health Plans
• Additional Insurance Offerings

Powered by HealthCare.com

Pivot Health is powered by HealthCare.com, another site focused on helping people compare health insurance options online. Pivot Health is different for its specialization in short-term health insurance.

Emphasis on Data

Through Pivot Health, you can view quotes, apply for a plan, and get coverage (if approved) in one sitting.

Pivot Health uses data analysis to help you find a short-term plan that meets your needs. You can also compare plans through its platform, which makes it easier to find a good deal.

Specialization in Short-Term Health Plans

Pivot Health's specialty is short-term health insurance. If you're looking for an inexpensive health insurance option, short-term health insurance offers low premiums. Keep in mind, however, that short-term plans don't offer robust coverage. Generally, short-term plans cover doctor visits and emergency care.

Before you buy a short-term health plan, be sure to understand the coverage you're getting.

When you work with Pivot Health, you can find network-based plans and PPO plans that offer more flexibility when choosing a provider. You can also adjust your deductible, copays, and length of your coverage. Most of the plans listed on Pivot Health also include telemedicine access that costs $49 per visit.

Pivot Health promotes short-term health plans designed for people ages 60–64. These Bridge to Medicare plans include access to telemedicine and the ability to keep your doctors. These plans can help save on premium costs, but they may not be the best option for people with pre-existing conditions.

Additional Insurance Offerings

Beyond short-term health insurance, you can find fixed indemnity plans, Medigap (Medicare supplement insurance), dental insurance, vision insurance, and supplemental insurance policies. Supplemental insurance policies generally offer set payouts for certain situations like cancer or an accident. If you have a high deductible health plan and can't afford your deductible, a supplemental insurance policy can be helpful.

• Supplemental insurance policies — helpful to pair with HDHPs, covers the deductible, plans usually focus on specific kinds of instances (e.g. cancer, or accidents), ,often include telemedicine access and discount prescriptions, no pre-authorization required
• Bridge to Medicare — cut health insurance premiums prior to moving to Medicare, hold onto retirement savings, plans include unlimited access to telehealth, open network so you don't have to switch doctors, a type of short-term health plan, max term: 3 years

• Insufficient Customer Insight
• Limited Health Coverage
• Variability by State
• Contact Information Required for Quote

Insufficient Customer Insight

Best Company has not received many reviews for Pivot Health, so conclusions about the customer experience are not available.

Limited Health Coverage

Pivot Health specializes in short-term health plans. These plans are quite limited in the coverage offered. For example, they do not cover pre-existing conditions. Preventive care isn't usually covered either.

If you need medical attention for a pre-existing condition, you may want to find another option. You'll also want to review coverage carefully before purchasing a plan.

Variability by State

Plan features and availability can vary by state. This variability is common with health plans. However, it's worth keeping in mind.

Contact Information Required for Quote

Before you can start comparing plans and pricing, you have to answer a few questions and provide contact information. If you're just interested in looking and aren't ready to make a purchase decision, this requirement can be frustrating.