Health insurance is a plan that covers you and your family against unforeseen medical conditions which would otherwise cost you a lot of money to get medication. Different people have various needs so you can choose the best medical insurance plan that meets your needs. Short term health insurance is a quick insurance plan that covers you for a period of one year. If you are curious about the pros and cons of short term health insurance, you are not alone. The article herein discusses some of 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. Some of the services that are not provided under this plan include maternity care, mental health as well as maternity care. For an elaborate discussion on the things covered by short term health insurance, view here. However, this medical plan does not comply with both the ObamaCare and the Affordable Care act. Besides, it provides immediate coverage, unlike other medical coverage plans which may take several weeks.
How long does the short term health insurance last? As mentioned earlier, short term health insurance lasts one year. Remember that you can renew this plan for up to three years but that’s not applicable in all the states. short term health insurance has similar usage compared to major medical. Once you’ve received the card, you will have to check and see what doctors are in-network, by calling the doctor’s office before you visit. short term health insurance offers affordable plans. You should also note that the government does not offer subsidy programs for short term health insurance. Ask your provider what is included and not included so that you are aware.
To get better services, you should look for a good insurance provider. 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. If they have a lot of negative customer reviews, the chances are that they will disappoint you in the long run. In conclusion, it is now evident that short term health insurance is an important plan that will cover you against unforeseen medical conditions.