Sure, we’d all like to be able to plan for the future … but what if the future has other plans? Sometimes you might need temporary coverage quickly until a more permanent plan can be put in place.
There are many reasons you may need a short-term or temporary health insurance plan:
- Between Jobs
- COBRA Coverage is ending
- Early Retirement
- Just Graduated
- Missed Open Enrollment
- Probationary Employment Period
- Temporary Employees
- Unexpected Pregnancy
How long does a Short Term Health Insurance Policy typically last?
Short term coverage can last from 1 to 11 months before a more permanent plan needs to be put into place.
Can I still see a specialist with short term coverage?
Yes, and typically there are no primary care physician referrals required.
Does Short Term Health Insurance meet the Affordable Care Act requirements for coverage?
No, unfortunately this plan does not qualify. The federal law introduced new rules into the health insurance market, requiring all major medical plans to provide specific benefits and requiring most Americans to have coverage. These rules do not apply to short-term health plans.