Short Term Health Plans

Short-term plans offer enrollment flexibility, allowing individuals to choose their desired start date, with the coverage becoming effective as early as the following day.

Since these plans do not provide coverage for pre-existing conditions, health-related inquiries are included in the application process.

A short term plan may be the best option for you if:

• You are under the age of 40
• Don’t use insurance other than for emergencies or big injuries
• Need to have affordable coverage with a PPO network
• You have no pre-existing conditions

The duration of short term health plans vary by state. Typically, most short term health plans can last up to 12 months.

Yes, spouses and dependents can be covered under a short term health insurance plan. However, all family members will need to answer medical questions and meet the medical requirements of the plan.

You can enroll in a short term health insurance plan at anytime. Short term health insurance plans are available year-round, so there’s no need to wait for open enrollment to apply.

Typically, you can cancel your short term health insurance plan at anytime without penalty. Be sure to check with your health insurance provider to ensure there are no penalities with cancelling your plan.

You can save money on your short term health plan by choosing a plan with fewer benefits, or a higher deductible, or staying in the network for your care are all effective ways to save money. It is important to remember that saving money on your health plan depends on your budget and your healthcare needs. Talk with an agent today to see how you can save money on your short term health insurance plan.

In most cases, short term health insurance plans will not cover pre-existing conditions. Depending on your state’s guidelines, a pre-existing condition can be classified as any condition that was diagnosed or treated within the last 2 to 5 years.

Depending on your plan, it is possible that your current doctor may be covered. Before you choose a short term health insurance plan, be sure to review the plan’s network list or connect with an agent today to find which short term plans will cover your preferred healthcare provider.

Short-term medical insurance typically provides some level of coverage for preventive care.

Annual check-ups, immunizations, and flu shots, as well as certain tests and screenings, are a few examples of preventive care services.

Make sure to read the exclusions and limitations information before selecting any plan to learn what your plan will and will not cover.