An important note about Short term Health Insurance plans is that they are temporary health insurance plans, with limited benefits and because they are not ACA-compliant, they don’t cover pre-existing conditions, and essential health benefits and are not guaranteed issue. In addition, you cannot be denied coverage based on your health status. If you have pre-existing medical conditions short-term medical insurance should not be for you.

Short-term plans may be an ideal solution for you if you have a:

• • Change in Employment

    • If you’ve been laid off, or lost your job, you are able to get coverage while in between jobs and employee benefits. Some employer-sponsored coverage need a qualifying life event to enroll mid-year. Short-term plans do not require this. These health plans offer health insurance options that you can pick up year-round.

  • ACA Marketplace

    • If you have coverage through the Marketplace, you may be able to fill in the gap of our medical coverage with a short-term health insurance plan. ACA Health Plans are great with coverage for emergency services, doctor visits, preventive care, emergency care, and more. Short-term plans are meant to fill in the gaps before a long-term health insurance plan can be achieved.

  • Special Activities

    • If you need to show proof of insurance, short term health insurance coverage may be a quick and affordable solution for you. The Golden Rule Insurance company specializes in the temporary health insurance field. They even include prescription drug coverage making it tops for health insurance coverage.

  • Coverage Before Medicare

    • If you are waiting for your Medicare coverage period to begin and have a gap of benefits that leaves you uncovered, a short term plan can offer a great amount of protection for a limited amount of time. This will make sure you don’t have a coverage gap until your Medicare Health Plans start. Short Term Insurance will provide an outstanding health coverage while waiting for your Medicare health coverage to begin. With the prices about 30% of an affordable care act plan you will be able to afford major medical insurance/ short term health insurance.

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In addition, they offer:

• Affordable Rates

  • Compared to other health insurance plans, short term health insurance can have low, affordable monthly premiums. This is due to the fact that short term health insurance offer health insurance that provides temporary coverage and not minimum essential coverage. In addition things such as preexisting medical conditions and federal market requirements do not have to be met with short term health plans. While short term health insurance plans may be cheaper most have a limit on out of pocket costs. Short Term insurance/ Short Term Health Insurance is great when you want protection for a specific term health.

• PPO Plans

  • Unlike the Marketplace, Short Term Health Insurance plans are usually PPO, which opens up your coverage span, especially if you are a travel nurse or a truck driver. You can rest easy knowing your insurance would be covered in even more locations than with an ACA plan.  If you are a travel nurse short term health insurance provides excellent health coverage across the United States. In over 36 states the Golden Rule Insurance Company is our recommendation for your short term insurance needs. With a PPO health plan you have access to a wide selection of in network providers that specialize in preventive care and other medical needs.

• Fast Coverage Approval

  • Applicants are generally approved quickly and can receive proof of insurance fast, sometimes on the spot. This is vital if you need prescription drugs or health insurance coverage to start quickly. Again just a reminder that short term insurance does not provide minimum essential coverage and limited prescription coverage. Short term health insurance is great if you need coverage fast and can’t wait 30 days or longer. If you missed open enrollment do no worry. Short term health insurance provide coverage quickly and easy by using association group insurance.

• Flexible Terms

  • Individuals may choose Short term health insurance plan coverage for any period from 30 days all the way up to 36 months. The beauty is that short term health insurance is a temporary health insurance plan. You can cancel your short term insurance at any time. In addition, short term health insurance plans do not have an open enrollment period. This means you can get temporary health insurance plans year-round. So don’t worry if you missed your open enrollment period. Short term health is the solution for your temporary coverage needs.

• Peace of Mind

  • Knowing that you and your family are covered during a gap or intermediate time with a short term health insurance plan offers you a peace of mind. Again we want to be good for your mental health as well. Short term health insurance for one month up to three years provides this peace of mind. Health care coverage needs to be with you when you need it the most. Short term plans accomplish this while providing an affordable health plan.

If you think a Short term health insurance plan may be the right solution for you and/or your family, give us a call today! We are happy to speak with you about your health insurance needs and guarantee you the best coverage with an A Rated Insurance Company at affordable rates! If you would like to compare a short term health insurance plan to other health insurance coverage please let us know. Short term insurance/Short Term Coverage is a great health insurance option. Schedule a call now!