Pivot Health is a product brand and licensed insurance agency rather than a risk-bearing carrier, so the entity selling you the plan is not the entity that pays your claim. Launched in 2016 and acquired by HealthCare.com in 2018, it designs and distributes short-term medical, fixed indemnity, supplemental gap, dental, vision, accident, and critical illness plans for people between jobs, waiting out an employer waiting period, or shopping outside open enrollment. Underwriting sits with partner insurers, among them Pan-American Life Insurance Company, Companion Life Insurance Company, and The North River Insurance Company. Because the brand itself carries no AM Best financial strength rating, look at the rating of whichever insurer actually issues your certificate. These plans are time-limited and generally exclude pre-existing conditions, which makes them a bridge rather than a substitute for major medical coverage.
