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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
Shop Complete & Complete Plus plans

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
Shop Short Term plans

Benefits at a glance

Short TermCompleteComplete Plus
Single-term or
Single-term or
Deductible$500 or
$1,000, $2,500,
$5,000, $7,500
$500, $1,000,
$2,500, $5,000
Coinsurance20%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 ConditionsNot coveredCoveredCovered
MaternityNot coveredNot coveredNot covered
Payment MethodOne-time lump paymentMonthly bank draft
or autopay
Monthly bank draft
or autopay
Plan Premium Comparison$$$$$$
 You Pay
Primary Care PhysicianDeductible/Coinsurance$30 copay$20 copay
Specialist CopaysDeductible/CoinsuranceDeductible/Coinsurance$50 copay
Prescription Drugs
(Benefits cease after Total Prescription Drug Cap is reached)
Not coveredDeductible/Coinsurance$20 preferred generic copay,
$50 non-preferred generic
copay, $75 brand copay
Children's Preventive Care0%0%0%
Essential Wellness Care100%0%0%
Emergency RoomDeductible/CoinsuranceDeductible/Coinsurance$250 copay
Inpatient & Outpatient
(Hospital and Surgical)**
Mental Health & Substance AbuseNot 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?YesNo
Can I be declined because of pre-existing conditions?YesNo
Does it cover maternity care?NoYes
Does it cover prescription drugs?Varies by planYes
Can I use a government subsidy to purchase it?NoYes
Does the plan automatically renew every year?Varies by planYes

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.