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The Length of Coverage. Current federal regulations limit short term medical plans to 90 days under one certificate of insurance. However, these plans offer your client the convenient opportunity to apply for up to four back-to-back certificates at one time!

The Advantage of Back-to-Back Policies. While the deductible and any out-of-pocket responsibilities start over with each subsequent coverage certificate, any medical conditions that arise and that were covered by the initial plan will be covered under subsequent new certificates, subject to plan limitations. There are no medical questions to qualify or new waiting periods after the initial enrollment.




Pivot Health STM Duration Options by State

Notice: The state of North Dakota has changed state filing regulation rules.  Due to the changes, Pivot Health will temporarily suspend sales in ND starting with October 2nd effective dates.

UPDATE 10-10-18:   Pivot Health is pleased to let you know sales in Nevada have resumed with duration options up to 180 days.  Effective immediately your customized Pivot Health URL will have Nevada available for quoting and enrollment.

UPDATE 10-31-18:   Pivot Health is pleased to let you know sales in Wisconsin have resumed!


Pivot Health Short Term Eligibility now 64 and 11 months

Pivot Health Short Term plans have extended the age eligibility for individuals to 64 years and 11 months.  Coverage will automatically cancel when the insured is Medicare eligible.


To learn more and get your new agent contract submit the form below
or call 1-866-336-7847

* Plans sold January 1, 2017 or later are limited to a 90-day term or four 90-day certificates of insurance sold at one time. Coverage duration varies by state.

** Not available on all plans. Limitations apply.



Stephens-Matthews Marketing, Inc.

Life Insurance Managing general agent
Life Insurance MGA