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What is Short-Term Medical insurance?

Short-Term Medical insurance provides protection when circumstances leave you temporarily uninsured.

Policies are available for you up to age 64, your spouse age 18 to 64, and dependent children under the age of 26.

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Who should consider it?

While not a substitute for a major medical plan that meets the minimum essential coverage levels of the ACA, Short-Term Medical insurance underwritten by Independence American Insurance Company (IAIC), is perfect for individuals and families who may have missed open enrollment, don’t have a qualifying event outside of open enrollment, or are waiting for an ACA or employer plan to go into effect.1

  • Key benefits

    Key benefits

    • Coverage-gap protection for North Carolina residents
    • Next-day coverage available
    • Coverage is available for periods of 30-90 days, 91-180 days or 181-364 days
    • $50 copay per office visit:
      One copay for 30–90 days of coverage
      Two copays for 91-180 days or 6 months of coverage
      Three copays for greater than 180 days or 6 months of coverage
    • Simple online application
  • Additional features

    Additional features

    When three people in your family meet their deductible, that satisfies the deductible requirements for any other covered family members for the remainder of the coverage period. Plan options are customizable and other optional benefits can be purchased, including Rx Pay Card and Supplemental Protection.

  • Application process

    What's required?

    To apply for a Short-Term Medical insurance policy sold by Mosaic Group and underwritten by a subsidiary of IHC Group, you just need to answer a few simple medical questions. Coverage may be available as soon as the next day.

Discover the easy way to fill in the gaps.

  1. Some exclusions may apply
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Privacy Policies

At Mosaic GroupSM, we respect the privacy of everyone who visits our Website and are dedicated to protecting consumer privacy on the Internet. The information below is an overview of how Mosaic Group handles the personal information you may provide us online at www.MosaicGroup.com. Personal information is data that identifies you, such as your name, policy number, contact information and so on. We may need to change this online privacy statement from time to time in order to address new issues relating to our Website - please check this policy regularly.

How We Handle Your Information

We do not use or disclose the personal information you give us online unless it is required or permitted under the federal and state laws that apply to Mosaic Group. These laws closely regulate how Mosaic Group may handle your information. Under these laws, we are permitted to use and disclose your personal information to support the services provided on this Website, as well as our offline business functions. We also may disclose your personal information to our agents or business associates who perform various functions on our behalf, but we require these third parties to agree in writing to safeguard your information appropriately. In addition, we do not sell or rent your personal information to third parties.

We will disclose information to government officials or others if we are legally required to do so. In addition, certain statutory authorizations allow us to disclose personal information in emergency situations or to protect our rights and property.

We may use the personal information you submit to our Website to create aggregated, anonymous data, which we will use to tailor our site to your interests, develop new features, and monitor the usage of our site. We may perform statistical analyses of these aggregate data and disclose the results as permitted by law.

Cookies

Mosaic Group uses "cookie" technology to improve your experience on our site. Cookies are small pieces of data that we place in your computer's browser to store your preferences. Cookies themselves do not generate personal information about you and we do not attempt to link cookie data to your personal information. We use cookies only to make your experience on this Website more enjoyable.

Security

Mosaic Group has taken steps to protect information collected from our online visitors against unauthorized access and use. All online forms that include information captured from our users are secured using a Secured Socket Layer (SSL), which encrypts the information as it travels from the desktop to our server. Mosaic Group is committed to ensuring transaction security and privacy. Mosaic Group obtains certification from industry-recognized security vendors to ensure that our systems meet security standards. As an additional security measure, Mosaic Group uses a firewall to prevent unauthorized access to our site. Site personnel monitor activity logs at regular intervals to look for unauthorized intrusions. For your protection, please do not send e-mail to us that contain your personal health information. We cannot guarantee the security of these e-mails before they reach us, in contrast to the security precautions in place when you send us personal information via an online form on this Website. Links to Third-Party Websites

Mosaic Group may have provided links and pointers to Internet sites maintained by third parties ("third party sites") and may from time to time provide third party materials on this site. These sites are independently owned and operated by third parties, who have their own privacy practices. The third party materials in this site and the third party sites are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, Mosaic Group disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness. Mosaic Group does not warrant or make any representations regarding the use or the results of the use of the third party materials in the third party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise. *Mosaic markets and sells the products of independent companies; please contact our partners for a copy of their Privacy Policies as they pertain to their products.

We may disclose, transfer or sell the personal information collected through our Website as an asset of the company in conjunction with due diligence for or completion of a merger, reorganization or sale to a third party of our company or a major portion of its assets. Although we do not currently anticipate such an event, changes to our privacy policy might result.

Contact Us

We are sincerely committed to protecting your personal privacy. While information is the cornerstone of our ability to provide superior service, our most important asset is our members' trust. Keeping member information secure and using it in a responsible manner is a top priority for Mosaic Group.

Privacy Policy Changes

This Web Privacy Policy is effective June 1, 2006. Mosaic Group may change this statement at any time without notice.

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Website Usage Agreement Between User and Mosaic Group

Initial Notice

Thank you for visiting our website. This site is owned and operated by Mosaic GroupSM (hereinafter "Mosaic Group"). Please read carefully the following legal agreement before using this Website. By using this Website, you signify your assent to these terms of use. If you do not agree to these terms of use, please disconnect from and do not use this Website. Mosaic Group reserves the right to change this Agreement at any time by revising the terms and conditions herein. User is responsible for regularly reviewing these terms and conditions. Continued use of this Website following any such changes shall constitute the User's acceptance of such changes.

Permitted Use

You ("you" or the "User") have a nonexclusive, nontransferable, limited and revocable right to use the Website solely for your personal educational, informational and entertainment use, subject to the terms and restrictions herein contained. User will not use the Website for any other purpose, including any commercial purpose, without the Company's express prior written consent. User agrees to cooperate with Mosaic Group in causing any unauthorized use to immediately cease.

List of Restrictions

Neither the Website nor any element thereof, including, without limitation, text, graphics, images or other materials, may be copied, repurposed, uploaded, posted, transmitted or redistributed. However, you may download one copy of such materials to your individual computer solely for your personal, non-commercial use only, provided that all copyright and other proprietary notices appearing on such materials are strictly preserved without any alteration, modification or obfuscation. You may not modify or prepare derivative works based upon the Website, or any element thereof, and you may not redistribute, sell, decompile, reverse engineer, disassemble or otherwise attempt to access the source code to any software downloaded from the Website. It is a condition of your use of this Website that you do not restrict or inhibit any other user from using this Website.

Reservation of Rights

All rights, titles and interests in and to this Website are owned by Mosaic Group and/or Blue Cross and Blue Shield of North Carolina. All trademarks, service marks and trade names are also proprietary to Mosaic Group and/or Blue Cross and Blue Shield of North Carolina. None of the items mentioned herein may be used without the express written consent of Mosaic Group. All rights are reserved by Mosaic Group.

WARRANTY DISCLAIMER

THE WEBSITE AND ALL ELEMENTS THEREOF ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. MOSAIC GROUP MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OR SUITABILITY OF THE CONTENT CONTAINED ON THE WEBSITE. MOSAIC GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. MOSAIC GROUP DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE OR PERFORM IN A MANNER THAT IS UNINTERRUPTED OR ERROR-FREE, OR THAT THE WEBSITE OR HOST SERVER WILL BE MAINTAINED FREE OF VIRUSES OR OTHER HARMFUL CODE. MOSAIC GROUP MAKES NO WARRANTIES THAT THE INFORMATION PRESENTED ON THE WEBSITE IS CURRENT, UP-TO-DATE OR ACCURATE. SOME STATES AND JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. THE FOREGOING SHALL BE ENFORCEABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

LIABILITY LIMITATION

UNDER NO CIRCUMSTANCES AND REGARDLESS OF LEGAL THEORY, WHETHER IN TORT, CONTRACT OR OTHERWISE, WILL MOSAIC GROUP OR ANY OF ITS RELATED OR AFFILIATED COMPANIES BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, RELIANCE, PUNITIVE OR CONSEQUENTIAL DAMAGES, HOWEVER CAUSED, AND REGARDLESS OF CHARACTER, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES RELATING TO LOST DATA, COMPUTER FAILURE OR MALFUNCTIONING, OR OTHERWISE. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT MOSAIC GROUP IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF USER. THE FOREGOING SHALL BE ENFORCEABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. YOU AGREE TO THIS ALLOCATION OF RISK IN RELATION TO YOUR USE OF THE WEBSITE. IF YOU DISAGREE WITH ANY OF THE TERMS AND CONDITIONS OF THIS WEBSITE USAGE AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS SITE.

Links to Third-Party Websites

Mosaic Group may have provided links and pointers to Internet sites maintained by third parties ("third party sites") and may from time to time provide third party materials on this site. Neither Mosaic Group nor its related, affiliated companies operate or control in any respect any information, products or services on these third party sites. The third party materials in this site and the third party sites are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, Mosaic Group disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness. Mosaic Group does not warrant or make any representations regarding the use or the results of the use of the third party materials in the third party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise.

Jurisdiction

Except as described otherwise, all materials in the Mosaic Group site are made available only to provide information about Mosaic Group. Mosaic Group controls and operates this site from its headquarters in Durham, North Carolina, United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws.

General Terms and Conditions

This Agreement shall be deemed to include all other notices, policies, disclaimers and other terms contained in this Website; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, the terms of this Agreement shall control.

This Agreement shall be deemed to have been made in the State of North Carolina, U.S.A. and shall be interpreted, and the rights and liabilities of the parties hereto determined in accordance with the laws of the State of North Carolina, U.S.A., without regard to conflicts of law principles. The parties consent to the exclusive jurisdiction of the state and federal courts for the County of Orange, North Carolina, U.S.A. for the determination of any claim or controversy between the parties and arising out of or relating to this Agreement. Both parties hereby consent to the jurisdiction of the North Carolina courts and waive any objections as to personal jurisdiction or as to the laying of venue in such courts due to inconvenient forum or any other basis.

User acknowledges that no joint venture, partnership, employment or agency relationship exists between the User and Mosaic Group as a result of this Agreement or use of this Website. User agrees not to hold himself or herself out as a representative, agent or employee of Mosaic Group and Mosaic Group shall not be liable for any representation, act or omission of the User.

Mosaic Group's performance of this Agreement is subject to existing laws and legal process and nothing contained in this Agreement is in derogation of Mosaic Group's right to comply with law enforcement requests or requirements relating to the User's use of this Website or information provided to or gathered by Mosaic Group with respect to such use.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

This Agreement constitutes the entire agreement between the User and Mosaic Group with respect to this Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and Mosaic Group with respect to this Website. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Indemnification

As a condition of use of this Website, the User agrees to indemnify Mosaic Group, its parent, subsidiaries and affiliates, and the shareholders, officers, directors, employees and agents of any of them against and from and against any and all claims, demands, judgments, costs, liabilities, expenses (including attorneys' fees) and damages arising out of legal claims resulting from User's use of this Website, including, without limitation, any claims alleging facts that if true would constitute a breach by User of these terms and conditions.

© 2019 Mosaic GroupSM, a full-service insurance agency and an authorized agent of Blue Cross and Blue Shield of North Carolina.

Dental Blue and Blue 20/20 vision products are underwritten by Blue Cross and Blue Shield of North Carolina (BCBSNC). Voluntary Vision products are underwritten by CEC. All other ancillary and specialty products (including Term Life, STD, LTD, Voluntary, Worksite, GAP, MEC and STM products) are sold by Mosaic Group and underwritten by USAble Life, Principal Life, Symetra, The Hartford, Voya Financial or Independence American Insurance Company, a wholly owned subsidiary of the IHC Group.

Mosaic Group is an authorized agent of Blue Cross and Blue Shield of North Carolina, USAble Life, Principal Life, Symetra, The Hartford, Voya Financial and IHC Group.

BLUE CROSS® BLUE SHIELD®, the cross and shield symbols and all related derivative marks are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.

All other marks are owned by their respective companies.

Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.