Short Term Medical Quote

Short Term Health Insurance plans do not meet the minimum essential coverage requirements under the Affordable Care Act (ACA), also known as Obamacare. They are usually designed to provide temporary health care insurance during unexpected coverage gaps but now are able to last 12 months since 2018. This type of policy can now be used as an alternative to regular health insurance if you don’t have prior conditions or your situation doesn’t require full health coverage amenities.

Free Instant Online Short Term Quote, Pick An A-rated Carrier Below.

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Short Term Medical Quote

About Short Term Insurance

Short-term insurance is health coverage, which was available typically for periods from 30 to 90 days. But after this year, Congress passed a new law so it is available also for 12 months. For many situations or incidents, the short-term health insurance proves to be the best solution of all. Especially, if you have no prior health conditions, these plans could be a great substitute for your major medical insurance.

How It Works

Short-term health insurance is primarily intended to provide you with valuable protection against out-of-pocket costs in case of unexpected injury or hospitalization. Short-term plans may not cover prescription drugs and typically do not cover maternity care or care for pre-existing medical conditions. Short-term plans typically place a dollar limit on how much the insurer will pay for covered medical services while you’re enrolled.
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When Can I Enroll For Short Term Health Plan

Typically you can enroll in Short Term anytime during the year. During Obamacare open enrollment periods, anyone can sign up for traditional major medical insurance. However, outside of open enrollment periods, you must experience a “qualifying life event,” such as marriage, the birth of a child, loss of employer-based coverage, etc. before you can enroll in major medical coverage. If you need health insurance now but haven’t experienced a qualifying life event, short-term health insurance is a good option.

The Process

Short-term health insurance is pretty easy to sign up, there is usually no medical screening.  Usually, carriers can lookup your prescriptions to know your situation automatically. Once you decide which carrier and plan you wanted to go with, the check out process can be done in 5 minuted and have coverage as soon as the next day. With most carriers, all you will have to do is create an account with the carrier, pay the premium and sign some e-docs. That’s it, a pretty streamline process.

What Insurmex Provides - Short Term Medical Quotes

Short Term Health Insurance PlansACA Health Insurance Plans
Availability of coverage?As early as the next day after you apply.Apply during Open Enrollment (or during a Special
Enrollment with a qualifying event).
Length of coverage?The federal Final Rule allows for terms of up to 364 days, though states have final authority to regulate that. You can apply for an additional short term plans if you need longer coverage.364 days or as long as you continue to pay the premium or as long at that particular health plan is available.
Type of coverage?Comprehensive medical insurance coverage.
Coverage varies by plan, and plans are NOT required to include the 10 essential health benefits
required by the ACA.
Comprehensive medical insurance coverage.
All plans include the 10 essential health benefits
required by the ACA.
Monthly costs?Generally cost less than ACA health plansGenerally more expensive than Short Term health
plans, but tax subsidies may reduce your costs.
Is preventive care included?Preventive care coverage, if included, is limited.Yes. Preventive care is one of the 10 essential health
benefits required in all ACA health plans.
Rx drug coverage?Available with some carriers, others have discount cards.Yes. All ACA plans have Rx drug coverage.
What network is included?Varies by carrier, but usually an open ppo network.Access to a network that varies by
Are referrals required?No primary care physician/specialist referrals are
Most plans require referrals.
Is there coverage for
preexisting conditions?
No. Even if you are approved for a Short Term health plan, preexisting conditions are not covered. Previously
covered conditions will be considered preexisting
under subsequent policies.
Yes. ACA plans are guarantee issue, meaning
you cannot be turned down for coverage and your
preexisting conditions would be covered.

Free Instant Online Short Term Quote, Pick An A-rated Carrier Below.

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Why choose Short-Term insurance over all others?
The first and most important reason to choose short-term insurance is the low costs. The increase in premiums every year with the marketplace policies have become unaffordable to most.

The short-term plans are much cheaper then all others while providing almost equal benefits and coverage. There are people, who can afford regular major medical policies but, they don’t use many medical services hence, there is less return on the investments. For such people, choosing short-term remains the best option.

Next, comes the long tiring process needed to get hold of one plan. You must apply during open enrollment with lots of paperwork, referrals etc. Once, you fulfill all the detailing; you have to wait for days to get approved to the policy.

If you feel like that the short-term insurance does not offer enough of the coverage, you may also purchase or select the additional catastrophic insurance plans to enhance your short-term policy. Cash payouts from catastrophic insurance plans allow users to pay medical bills and also to replace their lost income.

What do you get for paying monthly premiums?
Negotiated Rates: Some short-term plans (but not all) utilize health insurance
networks of covered doctors and hospitals. When you visit an in-network medical
care provider you benefit from discounted rates for the care you receive.

Out-of-pocket Maximum: Depending on the kind of care you receive, and on your
plan, you may need to make a copayment or pay for certain services out-of-pocket
(toward your deductible of coinsurance, for example). Your plan’s out-of-pocket
maximum is the most you could potentially have to pay toward covered medical
services before the insurer pays in full for all the covered medical care you receive,
up to the coverage maximum.

Coverage Maximum: Most short-term health insurance plans put a limit on the total
amount of coverage they will provide. Your plan’s coverage maximum is the upper
limit of your coverage for qualifying medical services

What benefits are provided to you by your short-term plan?
Doctor Office Visits: Sick visits to your doctor are typically covered by short-term
plans, though a copayment or an annual deductible may apply. Some plans may
limit the number of visits covered or exclude certain types of doctor visits.

Emergency Care Benefits: If you receive emergency care, but are not admitted
to the hospital, some plans will pay a set dollar amount for different types of
emergency care, like visits to the ER or trips in an ambulance. Some plans have
co-payments for these types of care, or may only pay a percentage of the cost.

Hospitalization: Though cost-sharing may apply, short-term plans are primarily
designed to provide you with coverage in case of a serious accident or
unexpected injury. Coverage for hospitalization may vary by plan and may be
capped at a specific dollar amount. Cost-sharing (copayments, deductibles,
and coinsurance)
will vary by plan.

What forms of cost sharing to short-term plans involve?
Copayments: Some covered medical services may require you to make a
copayment, which is a set dollar amount you contribute toward the total bill.

Deductibles: Almost all short-term plans involve annual deductibles. Your annual
deductible is a set dollar amount that you must first contribute towards covered
medical care before the insurance company begins to pay for certain covered
medical services.

Coinsurance: Some short-term plans involve another form of cost sharing known as
coinsurance. When you pay coinsurance, you’re typically paying a certain percentage
of the cost for a covered medical procedure, while the insurer pays the rest

How do I use my Short Term Health Plan?
If your plan has a provider network, any doctor in the plan’s network should accept your card. Contact the insurer or your licensed agent if you have a problem. If your plan does not have a provider network, you should be able to see almost any doctor you like. However, you’ll typically need to submit your medical bills to the health insurance company for reimbursement. In this case, you may need to set up a payment plan or defer payment with the doctor until your claim is reimbursed.
What don’t short-term insurance plans cover?
As the short-term insurances do not include 10 essential health cares provided by the extended term-marketplace healthcare. So, the plans usually don’t cover pre-existing conditions. The conditions like pregnancy, dental appointments, regular vision are, etc. Some other conditions like foot care, immunizations, and the so others. You may add these based on your requirement but, they won’t be available along the package.

You must always consult your specific plan in detail to see which medical conditions you require and which medical conditional are covered or excluded.

When do these short-term insurances come in handy?
Short-term policies are not planned as permanent health insurance coverage; they are the best feasible option especially in cases like:
  • When You can’t afford Marketplace Prices and you are healthy.
  • When you are switching between jobs
  • Waiting for medical care
  • Losing coverage following divorce or separation or death of any partner
  • Below the age of 65 and in good health
  • Waiting for your Affordable Care Act coverage to begin
  • Rolling off your parent’s insurance
  • Arrival on unexpected injury or illness

In cases like these, or to cater some other short-term needs, you can choose the policy offering similar terms. These policies are not guaranteed-issue; based upon your answers to the medical questionnaire about current and previous health status, the coverage will be decided. Short-term plans are not usually suited to people with pre-existing conditions, as they aren’t covered.

It’s quick and easy to get a Short Term medical quote schedule your appointment today.
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