Short Term Health Insurance
[/fusion_text][fusion_separator style_type=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”5%” bottom_margin=”” border_size=”0″ icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” border_radius=”” box_shadow=”no” dimension_box_shadow=”” box_shadow_blur=”0″ box_shadow_spread=”0″ box_shadow_color=”” box_shadow_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” publish_date=”” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”5%” padding_right=”” padding_bottom=”3%” padding_left=””][fusion_builder_row][fusion_builder_column type=”2_3″ layout=”2_3″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” border_radius=”” box_shadow=”no” dimension_box_shadow=”” box_shadow_blur=”0″ box_shadow_spread=”0″ box_shadow_color=”” box_shadow_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””]What is Short Term Medical Insurance?
Short Term medical insurance can provide a temporary solution to help fill gaps in coverage. It is designed for individuals who are without health coverage for a short period of time. For the states I serve, short term health is available in Idaho and Oregon, and Washington but not in California.
Short Term Insurance Plans Can Help in These Situations
- Change of employment- Laid off? Job loss? Get covered while in between jobs
- Obamacare- Without health insurance, outside Open Enrollment. Can’t get major medical coverage
- Before Medicare- Waiting to be eligible for Medicare coverage
- Waiting for Coverage- Waiting for other coverage to begin
For these situations and more where you are stuck in a coverage gap, finding the best short term health insurance plan you can may be just the right solution for you. You will have some much needed protection against financial hardship in the event of an accident or illness.
Short Term Health Insurance Plans Offer
- Affordable rates- Compared to other plans, short-term insurance can have low, affordable premiums
- Quick approval- Many applicants are approved and get proof of insurance quickly, sometimes on the spot
- Flexible Terms- Coverage for up to 6 months, some may offer longer coverage
- Peace of mind- Rest assured that you’re covered in the event of an emergency
What it’s Not
Short term insurance does not provide the essential standardized benefits required by the Affordable Care Act or Obamacare. For example, short term plans typically do not cover preventive care, routine physicals or pre-existing conditions diagnosed or treated within the past 2 to 5 years, and renewal is not guaranteed. They also may come with lifetime limits on benefits. Obamacare compliant plans do not have these limitations.
Your actual coverage, deductibles and premiums will depend on the plan and carrier you choose.
Short term health insurance does not have benefits equivalent to COBRA continuation benefits. If you have recently left your job, you may be eligible for continuation of your group health plan under COBRA. COBRA is the same coverage you had on your employer group health plan, but now you pay all the premium cost yourself. You may have not been aware of the high amounts your employer has been paying on your behalf! Short term health coverage won’t be as robust, as mentioned above, but it will be much less expensive. But remember, you will not likely have any coverage for pre-existing health conditions!
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