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Short Term Plans
Short-term health insurance is an affordable solution designed to work for individuals who need immediate coverage during a transitional period of their life. These plans give you temporary coverage that is designed to cover you during a lapse in permanent coverage. This lapse in coverage may be caused by a change of job or maybe you waiting for an enrollment period to start. Regardless of why you need short-term coverage, it’s important to get insured.
Here’s what short-term health insurance offers.
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Short Term Health Insurance
If you need temporary health coverage, short-term health insurance is for you. These plans aren’t required to comply with Affordable Care Act guidelines, so you may not get the minimum essential coverage that the law requires. Instead, short-term health insurance plans provide coverage for preventive care, doctor visits, urgent care, and emergency care. In some instances, these plans can also offer coverage for prescriptions.
Short Term Health Insurance Networks
In some plans, seeing providers within a dedicated network may be required. Though, some plans just offer a cost incentive for seeing in-network providers. To find out if your plan only allows in-network care, be sure to review the exclusions and limitations information. If you don’t know how, Insured For Life has agents who would be glad to help.
Short Term Insurance Cost
Short-term insurance has a variety of costs. These costs are:
- Premiums – These are monthly payments required to maintain coverage
- Deductible – These are out-of-pocket costs that must be paid before the plan becomes active
- Coinsurance – This is the percentage of costs you share with the plan after deductibles are met
- Copayments – This is a fee that must be paid when you visit a health care provider
You should also consider the cost of healthcare services that are not covered by short-term plans. If a specific service that you’ve received is not covered under the plan, you could end up paying the full cost out-of-pocket. Services that aren’t covered include mental health and substance use services, as well as maternity care and dental care.
Other costs may apply, so it’s important to always review your plan’s benefits carefully before receiving any care.
Find Short Term Health Insurance
If you are currently in between health insurance plans, now’s the time to get short-term coverage. To begin comparing plans, contact Insured For Life today.
