A Budget-Friendly Option to Reduce Your Monthly Costs
Short-term health plans are temporary coverage that can offer financial protection for medical services such as doctor office visits, emergency room visits, hospital stays and more.
Short term medical plans can be a flexible option for individuals in an employer waiting period, between jobs, individuals who missed the open enrollment period or those who want lower-cost coverage while they decide what to do about enrolling in an Obamacare (ACA) plan.
You have a choice of seeing any doctor you want with our open access network or enroll in a PPO network plan.
Plans offer coverage for a variety of medical services like doctor office visits, emergency room care, hospital stays, surgery and more after a deductible is met.
Some plans offer doctor office copays for primary care and Urgent Care. Each plan also includes coinsurance, which is the portion an insured is required to pay after the deductible is met.
It is important to review the Plan Details and understand full services provided, coinsurance out-of-pocket maximums, exclusions and limitations.
It is important to know short term medical health plans are not required to meet the essential standards of the Affordable Care Act, and in some states, the length of a policy might be limited according to state-specific rules. Pre-existing conditions are also not initially covered by short term health insurance, and companies are allowed to ask medical questions in order to qualify an individual for coverage.
