SHORT TERM MEDICAL INSURANCE - Sain's Insurance offers short term medical coverage through Pivot Health and The IHC Group. Pivot Health and The IHC Group offers 70/30 as well as 80/20 plans to cover doctor's visits, hospitalization, prescription drugs, ER, ambulance, dental, vision, and more. This means they will cover 70 to 80 percent of your medical expense and you will be responsible for the remaining 20 or 30 percent, after the deductible is met by you. The imbursement insurance offered, as well, through Sain's Insurance can be used to cover the required deductible of either insurance carrier. To compare rates on either company, click the following buttons below.