Short-Term Medical

Terms of Short-Term Medical plan

Short-term medical insurance can save you thousands of dollars, so let’s go over some important details and figure out if this is the right choice for you.

Short-term medical insurance is health insurance only intended for a limited amount of time. If you’re between employers or have temporarily lost your health insurance, this type of coverage might be right for you.

What if I need longer coverage than my policy provides?

While this type of insurance is not intended to last for an extended period of time, there are some options for those that need coverage beyond the timeframe of their policy. If your policy is almost over and you’re wanting to prolong your coverage, you may be able to buy a new policy. Your options will most likely depend on location, as various states have different guidelines.

This type of insurance is typically not renewable, so purchasing an entirely new policy may be your best option. While this is not a perfect solution, it will provide you with health insurance coverage. Your new policy may be impacted by the original one, so keep that in mind when you’re enrolling. If you have any questions, make sure to ask and get all the answers you need to be confident in your decision.

Ready to enroll?

Talk to a Strickland agent to check your budget and benefits

Is this type of insurance right for me?

There can be so many different reasons why someone doesn’t have health insurance. While people waiting to begin a new job are some of the most common enrollees, temporary health insurance is an excellent option for a wide variety of other people. If you’re not yet eligible for Medicare or looking for a couple months of coverage, consider short-term medical insurance.

Estimate the Cost

This type of health insurance is typically very affordable. Plans range greatly, as do the costs, so keep that in mind when searching through different options. Plans with less benefits will end up being cheaper, but there is a tradeoff. Less benefits may mean you’re required to pay more out-of-pocket, so be mindful of that. Plans will also be less expensive if they have a higher deductible. Regardless of the policy you choose, it’s intended to save you money.

Disqualification
Insurance companies are allowed to reject applications due to certain health concerns. Each insurance company will vary in regards to accepting beneficiaries and pre-existing conditions. If you have a condition that you think may disqualify you, do some research and talk to an insurance agency like Schaeffer Healthcare.
Ready to enroll?
Insurance companies are allowed to reject applications due to certain health concerns. Each insurance company will vary in regards to accepting beneficiaries and pre-existing conditions. If you have a condition that you think may disqualify you, do some research and talk to an insurance agency like Schaeffer Healthcare.

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