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Short Term Medical Insurance Plans

A Light In The Dark

With Obamacare (Affordable Care Act), there are new restrictions as to when you can purchase health coverage for you and your family. Unfortunately, life can take an unexpected turn when we least expect it. Job loss, an accident, or a hardship can all be the culprits of gaps in coverage and missed enrollment periods. Our robust short term health plans offer coverage for those who are temporarily unable to sign up for coverage and shed a little light during dark times.

How does short term coverage work?

Short term medical is a limited, temporary health plan used to provide quality health coverage when your not eligible for, or are in between, major medical health insurance. Short term medical provides coverage for doctor's visits, urgent care, emergency services, ambulance transport and more.

Benefits and features:

  • Next day coverage

  • 1-12 month terms

  • Customize your plan's coinsurance and deductible

  • Standard and guaranteed issue

  • Diagnostic testing and some preventive screenings

  • Inpatient and outpatient surgery benefits

Things to keep in mind

Here a few things to keep in mind when considering short term medical insurance:

  • Short term is designed to be temporary. It is considered limited benefit and does not cover as much as major medical.

  • Short term plans do not provide minimum essential coverage as required by the Affordable Care Act and are not considered Qualified Health Plans.

  • Pre-existing conditions are not covered under short term health plans.

Contact us to see if short term health coverage is right for you.
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