Health Insurance Plans

Medical, standard long-term coverage

Most people select this form of coverage. This type of coverage can be renewable for multiple years and can provide continuous claims coverage over a long period of time. Most plans of this type cover both major medical expenses (e.g., hospitalization and surgeries) and routine medical expenses (e.g., office visits and annual exams), subject to deductibles and co-payments or co-insurance.

Short-term, up to 12 months temporary coverage

Short-term health insurance is a temporary health insurance plan (typically 1 to 12 months) and should NOT be used as a substitute for standard, long-term health insurance.

Short-term health insurance may be right for you if you are:

  • Between jobs
  • Waiting for coverage from another health plan to start
  • Laid off
  • On strike
  • A recent college graduate
  • A seasonal employee

BUT, please keep in mind the following:

  • Short-term medical plans are intended as interim or “gap” coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date.
  • Short-term plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations.
  • Short-term plans are exempt from HIPAA legislation. This means that when issuing a Short-term medical policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals.
  • Most importantly, short-term medical plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time.

Learn how easy and convenient shopping for insurance can be. Get your instant Health insurance quote online or for faster service call us today at (888) 235-8060.

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