Short Term health insurance, sometimes called Term health insurance or Temporary health insurance, is designed to help bridge gaps in your health care coverage during times of transition

Hospital & Doctor Fixed indemnity Insurance

The Benefit of a Hospital Indemnity Policy

Hospital indemnity insurance

A fixed indemnity insurance plan that pays a set cash amount to you or your provider after treatment for specific injuries or illness

And if you’ll pardon the pun, you’ll find no “shortage” of information online telling you what Short Term Medical insurance isn’t or what it can’t do for you. But for many people, and for many situations, the best Short Term health insurance plan they can find may just be the right solution.

Flexible and Fast.

Covers: Doctor Visits; Wellness/Preventive; Pharmacy Services; Outpatient Services

We know that the life of you and your family can change quickly. That’s why our Short Term Medical plus from United Health care, Aethna , Cigna  provide you with the following flexibility:.

    • Start your coverage fast, as soon as the next day in many cases.
    • Drop your coverage without penalty.
    • Choose from a range of available deductible amounts.
    • And with your Short Term Medical insurance coverage starting as soon as the next day after you apply, you can get the security of that coverage fast, right when you need it.

 

Who Should Consider Short Term Insurance Plans?

Short Term health insurance plans can make sense for people who are:.

  • Rolling off their parent’s insurance.
  • In-between jobs.
  • Without health insurance, have missed Open Enrollment and do not have a qualifying event for Special Enrollment.
  • Waiting for your Affordable Care Act (ACA) coverage to begin.
  • A college student or just out of school.
  • Waiting for benefits to begin at a new job.
  • Waiting for Medicare.
  • Needing a temporary alternative to COBRA insurance.
  • Losing coverage following a divorce.
  • Under 65 and in good health.

Short Term Insurance Plans and the ACA Federal Tax Penalty.

Short Term health insurance plans do not meet the minimum essential coverage requirements under the Affordable Care Act (ACA), also known as Obamacare, and may result in a tax penalty. They are designed solely to provide temporary health care insurance during unexpected coverage gaps. To avoid the risk of penalty, apply for an ACA health insurance plan as soon as you qualify.

What’s the Difference? Short Term Insurance Plans Versus ACA Insurance Plans.{make comparison chart}

1,Availability of coverage?

Short Term Health Insurance Plans:

As early as the next day after you apply.     

ACA Health Insurance Plans:

                                              Apply during Open Enrollment (or during a Special Enrollment with a qualifying event).

2,Type of coverage?

Short Term Health Insurance Plans:

Comprehensive medical insurance coverage. Coverage varies by plan, and plans are NOT required to include the 10 essential health benefits required by the ACA.

ACA Health Insurance Plans:

Comprehensive medical insurance coverage. All plans include the 10 essential health benefits required by the ACA.

3, Monthly costs?

Short Term Health Insurance Plans:

Generally cost less than ACA health plans, but you may also be subject to a tax penalty.

ACA Health Insurance Plans:

Generally more expensive than ShortTerm health plans, but tax subsidies may reduce your costs.

4,Is preventive care included?

Short Term Health Insurance Plans:

Preventive care coverage, if included, is limited.

ACA Health Insurance Plans:

Yes. Preventive care is one of the 10 essential health benefits required in all ACA health plans.

5,Rx drug coverage?

Short Term Health Insurance Plans:

Available with some plans.

ACA Health Insurance Plans:

Yes. All ACA plans have Rx drug coverage.

6,What network is included?

Short Term Health Insurance Plans:

Access to a network that varies by plans and location.

ACA Health Insurance Plans:

Access to a network that varies by location.

7, Are referrals required?

Short Term Health Insurance Plans:    

Most plans don’t require primary care physician/specialist referrals are required.

ACA Health Insurance Plans:

Some plans require referrals.

8,Is there coverage for preexisting conditions?

Short Term Health Insurance Plans:    

No. Even if you are approved for a Short Term health plan, preexisting conditions are not covered. Previously covered conditions will be considered preexisting under subsequent policies.

ACA Health Insurance Plans:

Yes. ACA plans are guarantee issue, meaning you cannot be turned down for coverage and your preexisting conditions would be covered.

You are under no obligation to buy a health insurance plan when using our site. After submitting your application, you may cancel it at any time during the underwriting process.

Most insurance companies will charge up to  a $20 application fee for our Short Term plans in most states.

Summary
Insurance agency
User Rating
5 based on 1 votes
Service Type
Insurance agency
Provider Name
Blake Insurance Group LLC,
5315 E Broadway Blvd ste 207,Tucson,AZ-85711,
Telephone No.520-326-8945
Area
Arizona
Description
Short Term health insurance, sometimes called Term health insurance or Temporary health insurance,