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Limited duration health insurance plans
Our limited duration plans, Complete, Complete Plus and Short Term, provide affordable coverage for the length of time you need it.
Compare the key benefits of each plan below.
Complete and Complete Plus plans
Comprehensive coverage that provides the choice between single-term (up to 12 months) or renewable-term (up to 36 months) plans.
- Provides predictable copays for primary care doctors with some plan options also featuring copays for specialists
- Features affordable monthly premiums
- Includes prescription drug coverage
Short Term plans
Basic coverage for 30 to 88 days to protect against catastrophic medical expenses.
- Protects against the high costs of unexpected illnesses, diseases or accidents with $1 million in benefits per covered member
- Features one simple payment to cover the entire term of the policy
- Can be effective almost immediately
Benefits at a glance
| Short Term | Complete | Complete Plus | ||
|---|---|---|---|---|
| Duration | 30-88 days | Single-term or renewable-term | Single-term or renewable-term | |
| Deductible | $500 or $1,000 | $1,000, $2,500, $5,000, $7,500 | $500, $1,000, $2,500, $5,000 | |
| Coinsurance | 20% | 20% or 30% | 20% | |
| Coinsurance Maximum | $2,000 | $3,500 | $2,500 | |
| Maximum Policy Benefit | $1,000,000 per person | $1,000,000 per person | $1,000,000 per person | |
| Total Prescription Drug Cap* | Not covered | $1,000 per member per policy term | $1,000 per member per policy term | |
| Pre-Existing Conditions | Not covered | Covered | Covered | |
| Maternity | Not covered | Not covered | Not covered | |
| Payment Method | One-time lump payment | Monthly bank draft or autopay | Monthly bank draft or autopay | |
| Plan Premium Comparison | $ | $$ | $$$ | |
| You Pay | ||||
| Primary Care Physician | Deductible/Coinsurance | $30 copay | $20 copay | |
| Specialist Copays | Deductible/Coinsurance | Deductible/Coinsurance | $50 copay | |
| Prescription Drugs (Benefits cease after Total Prescription Drug Cap is reached) | Not covered | Deductible/Coinsurance | $20 preferred generic copay, $50 non-preferred generic copay, $75 brand copay | |
| Children's Preventive Care | 0% | 0% | 0% | |
| Essential Wellness Care | 100% | 0% | 0% | |
| Emergency Room | Deductible/Coinsurance | Deductible/Coinsurance | $250 copay | |
| Inpatient & Outpatient (Hospital and Surgical)** | Deductible/Coinsurance | Deductible/Coinsurance | Deductible/Coinsurance | |
| Mental Health & Substance Abuse | Not covered | $30 Copay for 3 covered visits | $20 Copay for 3 covered visits | |
| Shop Short Term plans | Shop Complete plans | Shop Complete Plus plans | ||
*Total Prescription Drug Cap is the amount Arkansas Blue Cross and Blue Shield pays per policy term.
**Excludes Mental Health and Substance Abuse.
Differences between Limited Duration Plans and ACA (Affordable Care Act) Plans
| Limited Duration Plans (not ACA-compliant) | ACA Coverage | |
|---|---|---|
| Can I buy it year-round at any time? | Yes | No |
| Can I be declined because of pre-existing conditions? | Yes | No |
| Does it cover maternity care? | No | Yes |
| Does it cover prescription drugs? | Varies by plan | Yes |
| Can I use a government subsidy to purchase it? | No | Yes |
| Does the plan automatically renew every year? | Varies by plan | Yes |
This chart only provides general information about plan types. The specific details of any particular plan may vary. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.