Detailed Information about Short Term Health Insurance
Medical expenses can drain you especially if you are not in a position to foot the bill; hence you should have a health insurance policy. Different people have various needs so you can choose the best medical insurance plan that meets your needs. If you want a quick coverage plan that will cover you for a short period like one year, you should consider a short term health insurance. short term health insurance has both pros and cons but very few people understand the details of this insurance plan. Here is a comprehensive discussion on the things you should know about short term health insurance.
First, you should familiarize yourself with the coverage of short term health insurance. Among the coverage plans under the short term health insurance include office visits, specialty doctors and wellness visits. However, you should note that many short term health plans limit the number of visits. Remember that if you need healthcare services on maternity care, mental conditions or even prescriptions, you should consider another plan. In this link, you will discover more about the coverage policy of short term health insurance. However, this medical plan does not comply with both the ObamaCare and the Affordable Care act. short term health insurance provides coverage almost immediately, faster than other medical coverage plans.
The next question you must be asking is the duration it lasts. The coverage plan lasts for one year. Although some states have strict policies that cannot allow you to renew, others can allow for renewal for up to three years. You will use this plan similar to how you use your major medical. Immediately after receiving your card, you should call the doctor’s office before you visit to see what doctors are in-network. You should also know that this plan is affordable compared to other plans. One disadvantage though: major medical coverage may be government subsidized but short term health insurance is not. Ask your provider what is included and not included so that you are aware.
You need to find a good company that will provide you with short term health coverage. Although there are several short term health plan providers, finding the best is not a guarantee. Pay attention to what other people are saying about a particular company to make an informed decision. A short term health insurance company that has a lot of negative customer reviews can be a disappointment when you need them the most. You can now agree that short term health insurance is one of the best things you should have.