There’s a saying that goes like this: a day without insurance is like a day without sunshine. It’s scientifically proven that the right amount of sunlight exposure can boost our moods and help our bodies produce vitamin D to maintain strong bones. In a similar way, having health insurance—even for a limited duration—can reduce stress and allow you to sleep more soundly at night.
Short-term insurance guarantees that you and your family will have a way to manage out-of-pocket expenses in a medical emergency. While these plans don’t cover pre-existing conditions, you never know what could happen—and the worst thing would be to face an emergency uninsured. Short-term plans are extremely helpful in this aspect, and they offer fast coverage, a broad network of doctors, low premiums, and more.
1) Get Covered Fast
It’s easy to apply for short-term health insurance. Just fill out an application online. Once yours has been approved, coverage will likely take effect immediately or the next day.
This is different from Obamacare in that you can apply for coverage anytime during the year. No open enrollment restrictions!
2) Extensive Provider Network
Switching to temporary health insurance doesn’t mean you have to change doctors. If you already have a primary physician, you can keep seeing them.
If you’re looking for a doctor, you can choose your own physician from a widespread network of healthcare providers.
3) Low Premiums
One of the best things about short-term health insurance? That would be the low premiums. The monthly payments are considerably less than Obamacare insurance, making temporary coverage more appealing and feasible for many Americans. These temporary plans are meant for all types of needs and budgets—for any size family—with the ability to choose from many deductible options.
4) Covers Your Entire Family
Going without protection is risky, especially when you have dependents. Short-term insurance lets you purchase coverage to include spouses and children. However, since this insurance is medically underwritten, all family members will need to meet the plan’s requirements.
5) You Can Cancel Anytime
With marketplace health insurance, you’ll accrue a penalty if you cancel your coverage before the expiration date. Short-term insurance works differently. Because it’s a temporary solution, you pay month-to-month so that you can pull the plug anytime.
Do you need temporary health coverage? Contact us today to learn more.