Do You Need Short-Term Health Insurance Options?

Are you between jobs or considering temporary medical coverage? When outside of enrollment periods, are you concerned about emergency coverage for those unexpected needs? Let’s look at the options available so you can make the best decision for your unique situation.

What is short-term insurance? Short-term insurance is a type of health plan. Many select these flexible policies when seeking coverage for a specific period of time. These policies can range from 30 days to 12 months.

How does a short-term policy differ from a long-term policy? You can change short-term policies as your needs change. They are approved quickly and can go into effect the day after you apply. If you have preexisting conditions, you may not be eligible for this type of coverage, though. A long-term policy normally means you are ensuring the life needs of the person. Concerns with specific network providers and keeping those relationships is very important.

Do I need to review benefits on short-term policies? It is always wise to review the benefits to ensure you know how to best utilize your plan. Short-term coverage may not offer all the benefits you are used to. Preventive visits are seldom covered, and maternity benefit needs may be a reason to be denied coverage.

If you are curious to know whether this could be an option for you to consider, call or email us today. We are always here to help you and determine what is best for your personal circumstances.