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National General plans for a gap, not a Marketplace plan.
We use National General, part of Allstate Health Solutions, for short-term medical and supplemental plans like dental, accident and critical illness. They're a good fit if you need coverage between jobs or want to add to a plan you already have.
People can often apply outside Marketplace open enrollment. The carrier can still decline the application, and the details vary by state.
Who it fits, and who should look elsewhere.
National General is worth a look if
- You need a bridge with an end date.
- You missed Marketplace open enrollment and you do not have a special enrollment period.
- You want a supplemental plan next to other coverage.
- You can answer health questions.
Look at something else if
- You need an ACA major medical plan.
- You need care for a condition the plan treats as pre-existing.
- You want a plan that cannot decline you.
- You need a group health quote. That quote comes from contacting Seth directly.
A group health quote, including a large group, comes from contacting Seth directly. Book a call or use the contact form. There is no online quote link for group coverage. Get a quote is for individual National General products only.
The network depends on the plan and the state. Confirm it on the quote before you apply. A short explanation of this kind of bridge is on the short-term guide. Supplemental cash benefits are on the accident and critical illness guide and the fixed indemnity guide.
Common questions
What is National General?
National General is an Allstate Health Solutions company. On this page that means short-term medical and supplemental plans, not an ACA major medical plan.
Is this major medical from the Marketplace?
No. These are short-term and supplemental plans. If you need a Marketplace plan, we can help with that on a call.
Can I apply outside open enrollment?
Often yes. Short-term and supplemental plans can often be applied for in any month. That is not an approval, and your state can limit the term.
What does the quote link do?
Get a quote opens the National General quote tool for individual products. Read the plan documents before you apply. A quote is not an approval.
Can I get a group quote here?
No. A group health quote, including a large group, comes from contacting Seth directly. Book a call or use the contact form. The quote link is not a group quote.
Will a short-term plan cover a condition I already have?
Usually no. Short-term plans generally do not cover pre-existing conditions. If you need that care covered, ask about a Marketplace plan on a call.
National General is an Allstate Health Solutions company. Short-term plans generally exclude pre-existing conditions and are not minimum essential coverage. Supplemental plans pay set benefits and do not replace major medical. Availability, duration, and networks vary by state and by plan. The carrier can decline an application. Insurance products are offered through Seth Brand Insurance LLC.