Understanding Short-Term Medical

BY FIRST FAMILY INSURANCE June 9, 2020
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Shopping for health insurance can be confusing and overwhelming at times. If you are in the market for health insurance, you may have heard of Short-Term Medical, it is a type of health plan that has helped many individuals when unexpected changes happen. 

 

Let’s take a look at a few situations where Short-Term Medical would be an excellent viable option.

 

Short-Term Medical Plan can help cover preventative doctor visit costs, emergency room visits, and has coverage for prescription medications. With access to medical care, like doctor visits and lab work, that provide protection from common illnesses and the unexpected.

 

Unemployment can happen due to no fault of our own. A Short-Term Medical Plan would be a better choice over COBRA to continue your medical coverage. 

 

Short-Term Medical has the most affordable plans on the market with lower premium costs due to its limitations and exclusions of pre-existing conditions. 

 

If you don’t need coverage for pre-existing conditions, such as diabetes or mental health care that require routine medical care, a short-term health plan will be a great choice. 

 

However, if you are an individual with a pre-existing condition, then a comprehensive major medical plan would best suit you. 

 

Although Short-Term Medical doesn’t cover everything, it helps you pay for medical expenses reducing the total amount you pay out-of-pocket. 

 

Are you worried about the longevity of short-term medical? Regulations have changed, and you can now enjoy affordable short-term medical plans for a longer duration.

 

 Plan durations vary depending on your state residence, but plans are now available up to 12 months with the ability of two renewals. 

 

Another plus side, you can select your preferred time frame for coverage, and you won’t be penalized if you cancel your plan early.

 

Applying for Short-Term medical is easy, and you’ll know exactly what you’d be purchasing. 

 

As part of the application process, you’ll be asked to answer a set of health eligibility questions to determine if you’d qualify for a short-term medical plan. 

 

If you fall under any of these categories, short-term medical might be the best approach for you:

  • In between jobs
  • Looking for affordable health insurance
  • No pre-existing medical conditions
  • Self-employed 
  • Employer-provided health benefits not available

 

Short-term medical doesn’t follow an open enrollment period, so you’re able to apply 365 days of the year.

 

Once you’ve applied for short-term medical, the enrollment process is quick, and coverage usually starts as soon as the following day.

 

If you’d like to learn more about who qualifies for Short-Term Medical, visit here.

 

Short-term medical offers flexible and customizable plans to match your budget. With help from our knowledgeable agents, you can compare prices and coverage to make an educated decision on which plan would fit your lifestyle.

 

 

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