Short Term Medical
Short term medical plans are polices that are used to cover larger medical events such as major surgeries & hospital stays. These policies also give you the flexibility to customize the type and length of coverage you need.
Plan Benefits
Quick
Coverage
coverage as quickly as the day after application
Flexible Deductible Amounts
several options between $2,000-$15,000
Custamizable Coverage Length
1 to nearly 12 months in some states
Lower Monthly Premiums
compared to ACA insurance plans
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Is a Short Term Medical Plan Right For Me?
Short term medical is a flexible health insurance coverage solution when you need coverage for a period of transition in your life.
With short term medical health insurance, you are NOT buying an ACA health plan. Here's some things to keep in mind as you select a plan:
- ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on preexisting conditions.
- Short term insurance plans are not guaranteed issue, they do not cover preexisting conditions, and you must answer a series of medical questions to apply for coverage.
- ACA health plans are required to cover 10 essential health benefits, including maternity and newborn care, mental health and substance abuse disorder services.
- Short term insurance plans do not have coverage requirements, so plans vary in what they cover. Check your plan details carefully.