All You Need to Know about Short Term Health Insurance
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. There are different categories of health insurance so you can choose the best that suits your needs. If you want a quick coverage plan that will cover you for a short period like one year, you should consider a short term health insurance. 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. Apart from office visits, short term health insurance provides coverage plans for specialty doctors as well as wellness visits. The number of visits, however, may be limited depending on the terms and conditions set by your provider. Remember that if you need healthcare services on maternity care, mental conditions or even prescriptions, you should consider another plan. In this link, you will discover more about the coverage policy of short term health insurance. Both ObamaCare and the Affordable Care Act do not comply with short term health insurance. Although major medical coverage starts between 2-6 weeks, short term health insurance offers immediate coverage within 1-14 days.
The next question you must be asking is the duration it lasts. It provides medical coverage for a period of one year. Remember that you can renew this plan for up to three years but that’s not applicable in all the states. Just like your healthcare or major medical, the usage is similar. It is advisable that before you visit your doctor, you should call the office to see what doctors are in-network. You should also know that this plan is affordable compared to other plans. You should also note that the government does not offer subsidy programs for short term health insurance. If you qualify for short term health coverage, you should ensure that you ask your provider the details of the plan.
To get better services, you should look for a good insurance provider. With the vast number of short term health insurances, you are likely to be overwhelmed by choices. Depending on what other people, especially the previous clients are saying about a particular short term health insurance provider, you will judge if they are suitable. If they have a lot of negative reviews, search elsewhere. You can now agree that short term health insurance is one of the best things you should have.