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Understanding Short Term Health Insurance

So what exactly is a Short Term health plan and what does it cover?

First things first. “Short Term health plans”, “Temporary insurance”, “Short Term medical” – they’re just different words for saying the same thing. No matter what you call it, a Short Term health insurance plan is something to consider if you have a gap in coverage. A Short Term plan doesn’t come with all the bells and whistles of an employer or Affordable Care Act (ACA) plan, but it can cover a lot of the basic health insurance needs you may have – hospital treatment, doctor visits, specialist visits, ER, X-rays, lab work – basically most of the biggies. There are a number of plans to choose from. No surprise…the more you pay, the better the benefits.

What’s nice is you can cover your spouse and dependents, but it doesn’t cover pre-existing conditions. So if you currently have a health problem like cancer, diabetes or asthma, you won’t be able to get coverage.+

Although it shouldn’t be considered a substitute for long-term health insurance, Short Term may be a great security blanket to get you by for up to 360* days. It’s designed to be affordable, too. Terms can vary by state and insurer, so just make sure you know what you’re getting.

+Health conditions mentioned are not a complete list.

*In many states, the maximum duration for Short Term plans is just under 12 months, or 360 days.

What does a specific Short Term health insurance plan look like?

Why it could be for you? And why it may not be?

What’s the difference between ACA plans and Short Term health plans?

You should consider Short Termhealth insurance if you are:

  • Not qualified for an ACA Special Enrollment
  • Between jobs
  • Needing an alternative to COBRA
  • A temporary or seasonal employee
  • A college student or just out of school
  • Fresh off your parents’ insurance
  • Young and healthy, but want some insurance just in case
  • Outside Open Enrollment
  • Waiting for your ACA coverage to begin
  • Waiting for Medicare
  • Losing coverage following a divorce

To save a few bucks on your Short Term health insurance plan, you could:

  • Choose a higher deductible
  • Pay your total premium up front (This option is not available with all carriers.)
  • Choose a plan with fewer benefits
  • Just be aware that the less you pay, the less benefits your plan is likely to include.

Looking to pair your new health insurance plan with other coverage?

Whether you decide on Short Term or other health insurance plans, consider supplemental health insurance to help round out coverage.

See available dental insurance plans.

See available vision insurance plans.

See available fixed indemnity insurance plans.

A licensed sales representative is ready to help you find the right plan for you. 1-844-741-4118, 6 days a week.

Quotes for Short Term health insurance plans you are directed to through are made available by Agency, Inc., which is an affiliate of UnitedHealthcare.