Short-term health insurance (also known as temporary health insurance) is designed to provide coverage during life transitions.
A short-term plan is appropriate if you are, for example, a recent college graduate, between jobs, waiting for employer-based group coverage to kick in, or need coverage for a defined window of time.
Short-term coverage is intended to be temporary, for the short term. It should not be considered as a long-term solution, but it does fill an important need.
After all, unexpected illnesses and accidents happen every day and the resulting medical bills can be disastrous. A short-term plan will provide you and your loved ones with the peace of mind you need at a price you can afford.
Limitations of Short-Term Plans
If you are considering a short-term plan, keep these facts in mind:
- Short-term plans are not Affordable Care Act-compliant. They don’t don’t cover things like preventive care, immunizations, maternity care, allergies, etc.
- Short-term plans do not cover pre-existing conditions.
- Short-term plans are not guaranteed issue. This means you can be denied for health reasons.
- Short-term plans are not guaranteed renewal. This means if you get sick, you may not be able to renew your coverage at the end of its term.
- You may still be subject to a tax penalty under the Affordable Care Act.
- As of April 1, 2017, the longest you can be covered by a short term plan is 90 days. You can re-apply for another 90 days’ of coverage, but you may be denied for medical reasons.
If you are currently uninsured and need temporary protection from an unexpected illness or injury, but cannot purchase permanent coverage at this time, we do recommend purchasing a short-term plan.
Even a short period without health insurance is not worth the risk.
Apply for Short-Term Coverage
Apply today and be covered as early as tomorrow!
Questions? Call us! 703.707.8270.