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Short-term health insurance covers major medical expenses, the ER, Urgent Care visits, along with office visit and prescription drugs. Depending on the carrier, there may be a deductible, coinsurance, or copay that applies to specific benefits. Inpatient and outpatient surgeries are also covered, along with typical expenses that are associated with hospital claims.
Rates are typically very inexpensive, since not all ACA Legislation-mandated coverage is included. However, temporary plans provide cheap stop-gap coverage when three months (or less) of benefits are needed. If longer periods of coverage are needed, you can re-apply for an additional policy, although underwriting is typically required.
Many larger insurers offer this type of coverage, which may be ideal if you miss the Open Enrollment deadline. However, if eligible for Medicare or Medicaid, this option should not be considered.
Short term health insurance will typically cover an inpatient hospital stay, emergency room, urgent care, outpatient surgery, and doctor visits subject to deductible and coinsurance. Prescription coverage is usually very limited or not included under these plans. Some plans have doctor copays but you usually need to meet the deductible before plans will pay for office visits. Short term plans usually have exclusions and ways of denying coverage that is not found in ACA compliant plans and will not cover any pre-existing conditions. Availability and terms will vary by state, some states do not allow short term medical and some limit plans to only 90 days while other states will allow up to 3 years of continuous coverage.
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Rates are typically very inexpensive, since not all ACA Legislation-mandated coverage is included. However, temporary plans provide cheap stop-gap coverage when three months (or less) of benefits are needed. If longer periods of coverage are needed, you can re-apply for an additional policy, although underwriting is typically required.
Many larger insurers offer this type of coverage, which may be ideal if you miss the Open Enrollment deadline. However, if eligible for Medicare or Medicaid, this option should not be considered.