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What Is Short-Term Health Insurance Used For?
A Short-Term Health Insurance plan can help you with basic medical coverage during gaps in insurance coverage before you are able to obtain a qualified Affordable Care Act plan. The premiums for these plans are quite affordable, though they provide fewer “essential health benefits” than comprehensive ACA health plans and have much higher deductibles. Most of these plans last up to 12 months, but you may cancel at any time without penalties.
Types of Temporary Short-Term Medical Insurance
The Flex Term Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.
Available in: AL, AZ, AR, FL, GA, IL, IN, KY, LA, MS, MO, NE, NV, NC, OH OK, OR, SC, SD, TN, TX, VA, WV, WI and WY
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*Underwritten by Everest Reinsurance Company
The Simple Term Health Insurance Plan provides insurance coverage in a different way. Short Term Health helps to protect you from the medical bills that can result from newly unexpected Injuries and Sickness.
Available in: AL, AR, DE, IL, IN, KS, KY, LA, MI, MS, MT, NE, ND, OK, WV, WI, WY
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*Underwritten by the United States Fire Insurance Company ( a division of Crum & Forster)
Types of Fixed Benefit / Limited Indemnity Insurance
Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.
Available in: AL, AR, AZ, CA, DC, DE, FL, GA, HI, ID, IL, IN, IA, KY, LA, MI, MS, ND, NE, NM, NV, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI and WY
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*Underwritten by the United States Fire Insurance Company ( a division of Crum & Forster)
How To Cover Gaps In Your Health Insurance
Many healthy people use Short Term plans as their primary health insurance to protect from the high medical costs of unexpected injuries or illnesses. Since this option does not provide benefits for pre-existing conditions or pregnancy; the cost is affordable and your out-of-pocket limit is predictable.
Most temporary health plans allow you to use any U.S. licensed provider and some plans include copays for doctor office visits or urgent care.
Reasons To Choose A Short Term Health Plan?
To avoid lapse in health insurance coverage, here are a few reasons why temporary health insurance may be a good option:
- Have no pre-existing conditions.
- Want continual coverage at a lower cost.
- You are not pregnant or plan on becoming pregnant soon.
- Have had no recent health problems.
- Have not received any advice from medical professionals advising you to undergo a medical procedure in the future.
- When you need health insurance and it’s not yet a federal open enrollment period to enroll in a qualified health plan.
- You are in between jobs and cannot afford COBRA, until you’re able to enroll in your next employers group health policy.
- ACA Health Insurance - Compare hundreds of Individual & Family plans
- Short Term Health - As low as $85/month with $10k deductible
- Accident Only Coverage - As low as at $45/month
- Dental Plans - Starting at $21/month
- Vision Insurance - Starting at $5/month
- Telehealth - Only $19.95/month, saving you hundreds in the long run
Pre-Existing Conditions Are Covered With Traditional Major Medical Health Insurance
Depending on your situation, Short Term Insurance may not be right for you.
If you have pre-existing conditions, take prescription medication or visit the doctor often, then you will want to choose traditional health insurance. These plans are similar to employer-sponsored health insurance.
You May Purchase Temporary Medical Coverage Through Private Exchanges
Short Term Health insurance is available for individuals and families. These types of insurance plans are not available on Healthcare.gov. A private health insurance exchange marketplace like Smart and Simple have hundreds of plans to choose from.
These exchanges offer quick enrollment online or over the phone. Your out of pocket costs for these premiums will be less expensive, but you must weigh out the amount of health insurance coverage you may need. These plans are not recommended for those with pre-existing conditions or looking to become pregnant during the time period of the coverage.
Frequently Asked Questions
Does Short Term Medical Insurance Cover Pre-Existing Conditions?
Temporary health insurance plans do not meet the minimum requirements of the Affordable Care Act to be considered a qualified traditional health plan. You won’t find short term insurance plans on the federal marketplace. They do not cover pre-existing conditions which also includes existing pregnancies and maternity care. Depending on the plan, you may be disqualified from enrollment based on your previous medical history.
Again, these plans are designed to provide minimum essential coverage and preventative care. If you have new conditions after starting a short term plan, those will become pre-existing conditions if you need to pick up additional short term coverage after your plan ends.
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