Being uninsured can be risky – even if it’s only temporary. An accident or an unexpected illness can happen quickly, and when they do, you don’t want to be caught without the insurance protection that you need.
While many people may be “waiting it out” until November 15 when open enrollment for Obamacare starts up again, being “self insured” for even just a short window of time could end up to be financially devastating in the end.
A much better alternative is to consider purchasing a temporary or short term health insurance policy. In many instances, if a person’s need for health insurance will be one year or less, a temporary health insurance plan may be a very viable choice.
Many plans are available that provide a wide selection of benefits – oftentimes at a reasonable premium. And, for those who are in good health, an application for coverage can oftentimes be approved in as little as just a few days.
Today, many of the top insurers in the marketplace offer short term health insurance policies. Therefore, benefits and premiums are easy to compare. Many plans can also be applied for directly online, making it convenient to shop for coverage from anywhere there’s an Internet connection.
Short term health insurance policies have helped to solve the issue of going without insurance coverage while unemployed, between jobs, or between college and a first job. This type of coverage can provide peace of mind – especially when finances in other areas are tight.
How Does Short Term Health Insurance Work?
In most cases, short term health insurance works the same as regular longer term health insurance policies, it just lasts for a shorter period of time. Typically, these plans will last for between 6 and 12 months, although there are some short term health insurance policies that are as short as just 30 days.
Depending on the plan that you choose, you will receive an ID card to show as proof of coverage when you go on doctors’ appointments or are in need of emergency services. Oftentimes, these plans will also be able to include prescription drug coverage as well.
A short term health insurance policy is a great way to get you through the time period between now and the next Obamacare open enrollment period. This way, you will not need to worry about the potential financial consequences that an unexpected illness or injury could have.
These types of plans are also a good choice for students, temporary workers, and those individuals who may be between jobs and who have not yet joined their new employer’s group health insurance plan. In many cases, a short term health insurance plan will be less costly, and easier to qualify for in comparison to a long term health insurance policy.
Where to Obtain Quality Short Term Health Insurance
When searching for a quality and affordable short term health insurance plan before open enrollment, we can help. We work with many of the top health insurers in the industry today, and we can assist you in comparing policies, benefits, and premiums in order to determine which plan will best fit your particular needs. In order to compare benefits and to obtain premium quotes on short term health insurance, Click Here.
If you have any questions regarding short term health insurance, we can help. Please feel free to contact us toll-free at 864-491-5785 and we will be happy to address any inquiries or concerns that you may have regarding obtaining premiums, finding benefits, or going through the short term health insurance application process.