Reapply for Coverage with Health Benefits Connect

Your current insurance policy is short term health insurance. This is a major medical insurance with an expiration date. There is no renewal of coverage. However, in many cases, a member can reapply for another term policy. There are a couple of ways to reapply for a new term policy:

Telephonic: 45 days from policy expiration, a Health Benefits Connect team member will reach out to members to see if they can help them reapply for new coverage.

Self-service: At any time a member can return to www.healthbenefitsconnect.com to reapply for coverage. When doing so, be mindful of dates as one cannot enroll in a new plan that has an overlapping date with current coverage.

Your reapply application will be reviewed for underwriting and can be denied based on pre-existing conditions or other factors.

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 the policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of pre-existing conditions or health benefits. A short-term medical insurance plan may vary from an ACA plan in such benefits as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services. A short-term medical policy might also have coverage-period and/or benefit-specific 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. For full plan details, please visit the IHC Marketplace.