Accidents happen. People Get Sick, or hurt...
What do you do if that happens to you? Well, if you have a personal health insurance plan, or one through your work, you go to a doctor in your group and get treated... Right? But what if you lost your job? Or what if the plan you have doesn't include your doctor?
Well, these are some areas Short Term Health Insurance Can help. It is a way more affordable product than COBRA. And, in most cases, there are no restrictions on which doctors you can see. Keep reading, and by the end of this, you should have a pretty good idea of whether or not Short Term Health Insurance is a good fit for you or not!
What is short term health insurance used for?
Short term health policies are mainly designed to provide temporary health care insurance during unexpected coverage gaps. It does not meet the minimum essential coverage of the Affordable Care Act, (ACA or Obamacare), but is still a wonderful product for many.
Short Term Health Insurance plans usually offer what would be described as streamlined "major medical coverage" that covers healthcare costs in the event of accidents and illnesses. Most Short Term Health Insurance plans also cover doctor visits for routine illnesses and injuries.
How long can i keep a short term plan?
It depends on the plan, and your budget. There are some plans that cover up to 364 days! ( That's all but one day) Or if you need something shorter, that can be arranged too. 3 months, to 364 days of the year. You can cancel any time, and you can renew as long as you like. Next day coverage is available.
How Do I get Short Term Health Insurance Plan?
You can call us or apply online.
Is it ACa Compliant?
Short Term health insurance plans do not meet the minimum essential coveragerequirements under the Affordable Care Act (ACA), also known as Obamacare, and may result in a tax penalty. They are designed solely to provide temporary health care insurance during unexpected coverage gaps.
SOme Other Big Notes
It does not cover pre-existing illnesses. It also does not cover pregnancy costs. But, it will cover if you have a new baby, all those expenses!
If you still have some questions about short term health insurance, or if you'd like to get started on getting your coverage, feel free to email us or call us, or stop by our office in Uptown Hoschton, GA. And Remember, Stay Healthy!
Simpkins and Associates
4397 Highway 53
Hoschton Ga, 30548