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Medica Short-Term Plans

August 27, 2018

Effective August 24, 2018, Medica will be offering two new short-term products for individual and family plan (IFB) members in North Dakota, South Dakota, Wisconsin, Iowa, Nebraska, and Kansas. These two products, Medica Flex and Medica Plus, do not rely on the same provider networks as Medica’s other IFB products. Members will have access to a national network of providers that includes First Health Cofinity, Multiplan PHCS, and Data iSight, depending on the state in which the policy is purchased. These two new plans have a wide variety of copays, deductibles, and coinsurance and are available for individuals and families, 2-64 years of age, for up to 90 days. Medica Flex can be renewed for up to an additional 90 days. Medica Plus has coverage for eligible pre-existing conditions up to a maximum of $25,000. 

All service and administration of billing, benefits and claims for these new IFB short-term products are handled by a third party called The Loomis Company, and is underwritten by Independence American Insurance Company. These short-term products are not qualified health plans under the Affordable Care Act and are subject to underwriting. The Midlands Choice network will not be used for these products, and the Midlands Choice logo will not appear on the ID cards issued.

Click here to view a fact sheet for the Medica Plus product.