• So what does short term health insurance cover?

    Depending on the level of medical coverage you purchase, you have access to many of the same services covered by a more expensive individual health insurance plan: Doctor office visits Emergency services Hospitalization Ambulance Physical therapy Prescription Drugs

  • What are the pros/advantages of having short term medical?

    There are many reasons why short term health insurance is a great alternative option! There is no waiting period. Once your application is accepted and payment made, coverage can begin in 24-hours. Short term medical is a great option for people who just need to bridge a gap in coverage…

  • Can I renew my short term health insurance plan?

    Depending on your state of residence, you can re-apply for a new short term health insurance plan once your coverage expires for up to three years. Once you re-apply and are accepted for coverage for a second time, you are on a new insurance policy, and your deductible, coinsurance and…

  • Can I get a financial subsidy when I buy short term health insurance?

    No, short term medical insurance does not qualify for any cost assistance from the government, unlike marketplace insurance plans. That is why it’s important to check your eligibility for a financial subsidy on the marketplace exchange before purchasing a short term medical plan.

  • Is short term health insurance cheaper than marketplace insurance?

    Traditionally, yes. It’s always important to check to see if you qualify for a financial subsidy on a marketplace health insurance plan before committing to a short term health insurance plan. If you do not qualify for cost assistance on an Obamacare marketplace plan, short term can provide a more affordable…

  • Who should buy short term health insurance?

    Short term health insurance to regular insurance when you are temporarily uninsured! Here are the different life situations where short term medical insurance can fill the gap in coverage: Loss of employment Employer drops employee health insurance benefits Waiting period before new employer healthcare coverage begins Alternative to more expensive…

  • Is short term insurance the same as an Obamacare plan found on the marketplace?

    No, short term health care is different than Obamacare plans, and cannot be purchased on the marketplace exchange. Health insurance plans on a state exchange, the federal marketplace or in the private marketplace are major medical policies that offer 10 essential benefits required as a result of the Affordable Care…

  • Is short term health insurance the same as individual health insurance?

    No, there are differences between short term insurance and permanent individual insurance, also known as major medical health insurance. Short term health insurance does not offer essential health benefits as required by the Affordable Care Act, also known as Obamacare. However, you no longer are at risk for paying a…