Short-Term Medical Insurance

Get temporary Health Insurance coverage with a Short-Term Medical Plan

List of some reasons why someone would buy Short-Term Medical Insurance

Short-term medical insurance can be a practical option for individuals in certain circumstances where they need temporary health coverage. Here are some common situations:

Gap in Coverage:

Between Jobs: If someone is transitioning between jobs and their new employer doesn't provide immediate health insurance coverage, a short-term plan can bridge the gap until the new coverage begins.
Waiting Periods: Some employers have waiting periods before health insurance coverage starts. Short-term insurance can be used during this waiting period.

Recent Graduates:

Recent graduates who are no longer covered under a student health plan may use short-term insurance until they secure employment with benefits.

Early Retirement:

Individuals who retire before they are eligible for Medicare may use short-term insurance to cover themselves until they reach the age for Medicare eligibility.

Temporary or Seasonal Workers:

People working in temporary or seasonal positions might not have access to employer-sponsored health insurance. Short-term plans can provide coverage during these periods of employment.

Missed Open Enrollment:

If someone misses the annual open enrollment period for an Affordable Care Act (ACA) plan, they may consider short-term insurance as a temporary solution until the next enrollment period.

COBRA Alternative:

COBRA (Consolidated Omnibus Budget Reconciliation Act) continuation coverage can be expensive for individuals who have recently left a job. Short-term plans may offer a more affordable alternative.

Non-Qualifying Life Event:

Outside the annual enrollment period, people typically need a qualifying life event to enroll in an ACA plan. Short-term insurance can be an option for those who don't have a qualifying event.

Travelers:

Individuals traveling internationally temporarily may purchase short-term travel medical insurance to cover medical emergencies while abroad.

Short-term medical insurance or short-term health insurance is designed to provide temporary health care coverage. It is typically intended for individuals who need coverage for a limited duration, such as those between jobs, recent college graduates, or individuals waiting for their regular health insurance to start.

Some key features of short-term medical insurance:

Temporary Coverage:

Short-term health insurance is meant to provide coverage for a short period, usually ranging from a few months to a year. It is not a long-term solution for ongoing healthcare needs.

Quick Application and Approval:

The application process for short-term insurance is often faster and less stringent than traditional health insurance. Coverage can usually begin quickly, often within a few days.

Limited Coverage:

Short-term plans typically offer limited coverage compared to comprehensive health insurance. They may not cover pre-existing conditions, preventive care, or certain essential health benefits required under the Affordable Care Act (ACA).

Flexibility:

Short-term health insurance plans often provide flexibility in terms of coverage options and cost. Individuals can choose the duration of coverage and the level of benefits based on their needs.

Cost: Short-term plans may be less expensive than comprehensive health insurance, but this comes with trade-offs in terms of coverage. While premiums may be lower, out-of-pocket costs and coverage limitations may be higher.

It's important for individuals considering short-term health insurance to carefully review the terms and conditions of the policy, including coverage limits, exclusions, and potential out-of-pocket costs. Additionally, you should be aware that short-term insurance plans are not a substitute for comprehensive health insurance, and they may not provide the same level of protection against high medical expenses.

How to get Short Term Medical Insurance in Florida:

> Call: 954-306-3333
> Visit our office:

• 1515 N. University Dr., #207, Coral Springs, FL 33071

> Fill out a Quote Form online