Short-term health plans are designed to help you get coverage when you’ve got nowhere else to turn. Most private insurers offer this, with many providing coverage for up to a full year. Like other policies, it has its pros and cons, which makes it ideal for some but not others.
Short-term health plans are a type of temporary coverage that can last anywhere from 1 to 12 months. These plans aren’t meant to replace traditional health insurance, but they are more like placeholders to keep you covered while you search for another health insurance policy or wait for new coverage to begin.
Short-term health plans vary greatly between insurers. There’s no minimum coverage requirement because these plans do not comply with the Affordable Care Act (ACA). You will need to contact your insurer to see what your plan will cover.
While coverage varies, short-term health plans generally provide coverage for the following:
One downside to this coverage is that your short-term health plan may deny coverage for services to treat a pre-existing condition. Even if you’ve gotten coverage for treatments related to your pre-existing condition from another policy in the past, this one is not guaranteed to offer the same benefits.
Costs for short-term health plans include:
Plans are typically reasonably priced, but the deductibles for short-term health plans are substantially higher than deductibles for traditional health insurance policies. While you will have coverage, you will need to pay a lot more out-of-pocket before your coverage kicks in.
Anyone facing a coverage gap should consider short-term health insurance. While the government doesn’t regulate these plans, there are still policies with coverage that’s extensive enough to be satisfactory in the short term.
Suppose you’ve lost a job, missed an enrollment period, or are waiting for a different health insurance policy’s coverage to begin. In that case, it’s a good idea to get short-term health insurance.
You can enroll in this policy anytime because one of its benefits includes being a policy you can obtain if you’ve missed an enrollment period for a standard health insurance plan. Your coverage may begin almost immediately, as many policies become effective the following day after applying.
While this policy only lasts up to a year, you can still apply for another one after your current policy ends.
At The Health Insurance Value, we want you to have the protection of health insurance at all times. You should never have to be in a coverage gap because medical emergencies can happen anytime. We’ll provide a policy that will get you through hard times and keep you insured so that a medical emergency doesn’t result in a financial crisis.
Complete the form below to see if you qualify for Discounted Rates!
By clicking ‘See if you qualify for Discounted Rates’, I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.
