When to Use Short-Term Insurance
Short-term health insurance (also known as temporary health insurance) is designed to provide coverage during life transitions.
Geared towards recent college graduates, people who are between jobs, new employees waiting for group coverage to kick in, or anyone else needing coverage for a defined window of time, coverage is intended to be temporary, for the short term.
Short-term coverage should not be considered as a long-term solution, but it does fill an important need. After all, unexpected illnesses and accidents happen every day and the resulting medical bills can be disastrous. A short-term plan will provide you and your loved ones with the peace of mind you need at a price you can afford.
When considering a short-term plan, it’s important to understand:
- Short-term plans are not Affordable Care Act-compliant, and often don’t cover things like preventive care, immunizations, maternity care, allergies, etc.
- Short-term plans do not cover pre-existing conditions.
- Short-term plans are not guaranteed issue. This means you can be denied for health reasons.
- Short-term plans are not guaranteed renewal. This means if you get sick, you may not be able to renew your coverage at the end of its term.
- You may still be subject to a tax penalty under the Affordable Care Act.
If you are currently uninsured and need temporary protection from an unexpected illness or injury, but cannot purchase permanent coverage at this time, we do recommend purchasing a short-term plan.
Even a short period without health insurance is not worth the risk.
Apply today and be covered as early as tomorrow!
These plans offer:
- Affordability – Short Term Medical is an affordable alternative to COBRA
- Flexibility – You can choose the length of coverage from 30 to 90 days that best fits your budget
- Stability – Rates remain unchanged for the duration of the policy, unlike COBRA
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Individual SHORT TERM HEALTH Insurance OPTIONS
*Short-term, limited duration plans are not subject to certain provisions of federal health care reform, including the provisions related to lifetime limits, dependent coverage, preventive care and pre-existing conditions. The pre-existing condition exclusion for Short Term Medical plans will apply for all insureds, including those under the age of 19.
*Short Term Medical insurance is often a lower-cost alternative to COBRA. However, if you purchase Short Term Medical rather than maintaining COBRA coverage, you may give up your rights to coverage for pre-existing conditions or guaranteed health insurance in the future.