Things You Didn’t Know about Short Term Health Insurance
The best way to avoid ugly scenes that will put you in a bad financial situation in case you need medical services is by having a health insurance policy. 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. short term health insurance has both pros and cons but very few people understand the details of this insurance plan. By reading this article, you will learn more about the things you need to know about short term health insurance.
Coverage of short term health insurance is the first thing you should know. Among the coverage plans under the short term health insurance include office visits, specialty doctors and wellness visits. You may be surprised that the number of visits is limited so you should read more here. 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. 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. It provides medical coverage for a period of one year. However, it has the ability to renew up to three years although most states offer a 1-year maximum. short term health insurance has similar usage compared to major medical. Immediately after receiving your card, you should call the doctor’s office before you visit to see what doctors are in-network. The costs are comparatively lower than average health care premiums. One disadvantage though: major medical coverage may be government subsidized but short term health insurance is not. It is a good idea to ask about the details of your plan to know what you are purchasing.
You need to find a good company that will provide you with short term health coverage. Choosing the best short term insurance provider can be a challenge because there are several options. 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.