Short-Term Medical

Maintaining good health is essential, and having the right medical insurance is crucial in achieving that goal.  Fortunately, there are numerous affordable options available, including short-term health insurance, to help everyone find coverage that suits their needs and wants. An option that often goes overlooked is short-term health insurance. Short-term plans, including temporary health insurance, can offer a temporary, cost-effective solution for someone seeking accessible health care. However, it’s important to note that short-term insurance may be a more affordable option, but it may come with certain limitations.

To gain a better understanding of whether short-term medical insurance is suitable for you, we are here to tell you what you should be aware of:

What is short-term health insurance?

Short-term medical insurance is an affordable, low-coverage plan that is typically available for a duration of one year. Most plans come with the option of being extended twice, allowing for coverage of up to three years, if needed. Unlike standard health insurance, short-term plans do not require annual renewal. When compared to standard health insurance plans, short-term medical plans have lower premiums, but tend to have higher out-of-pocket costs and less coverage than the standard plans. Consider short-term medical insurance as an affordable, temporary safety net that will provide coverage when needed.

What can short-term medical insurance cover?

Short-term medical insurance plans will generally include coverage for:

• Hospitalizations
• Outpatient surgeries
• Prescription drugs
• Doctor visits
• Visits to urgent care or emergency rooms

Benefits of short-term medical plans

Short-term medical insurance provides several advantages over standard healthcare plans. It offers more affordable rates, a simpler application process, faster approval rates, and more flexible terms. When compared to the more extensive healthcare plans, short-term medical insurance has been proven to be a beneficial option.

Who should get short-term health insurance?

Temporary health insurance is often purchased by individuals experiencing a transitional time in their lives or who have suffered a temporary lapse in their permanent coverage. If you’re in the process of switching jobs, have lost employer-provided coverage, or are waiting for an open enrollment period to begin, a short-term health plan may be the ideal option for you. Short-term medical plans can also be a great option for college students, especially those who are attending an out-of-state school. If you can’t get major ACA-compliant coverage for any other reason, short-term medical insurance can provide you with the assurance that you are covered until a more permanent solution becomes available.

Short-term health insurance from Healthcare Solutions Team

If you require short-term medical insurance, the skilled and experienced agents at Health Solutions Team are here to assist you in finding a plan that suits your individual circumstances. We’ll work with a variety of insurance providers on your behalf so you can focus on the more important matters in your life. Allow us to begin searching for your perfect coverage, and contact our team today!