Short-term health insurance plans provide coverage for a limited period of time, and may be an ideal solution for those between jobs or waiting for other health insurance to start. Although short-term plans in the past only offered coverage for up to 3 months, now new government laws allow coverage for longer periods. These plans are not Affordable Care Act compliant.
Your effective date can be as soon as the next day. These plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, immunizations, dental, vision care or pre-existing conditions. Although there are some Short Term Medical plans that do cover preventative, unlike the Affordable Care Act plans, they have waiting periods and a limit on the dollar amount they will cover for preventative exams.
IHC Health Solutions, United Healthcare and National General are 3 companies that offer Short Term Medical Insurance. You can request a quote or purchase Short-Term Medical Insurance by clicking one of the buttons below:
