How do I know if Short Term health insurance is a good choice for me?

Short Term medical insurance, also called Temporary health insurance or Term health insurance, can provide a temporary solution to help fill gaps in coverage. Consider Short Term if you’re:

·         Between jobs

·         Waiting for other coverage to begin

·         Waiting to be eligible for Medicare coverage

·         Without health insurance, outside of Open Enrollment

For these situations and more where you are stuck in a coverage gap, finding the best short term health insurance plan you can may be just the right solution for you.

Can I renew this type of health insurance coverage?

If you need coverage for longer, you may be able to apply for another Short Term insurance plan. However, for any subsequent plan, whatever you received treatment for under a preceding plan will be considered a preexisting condition.

Does Short Term health insurance provide coverage for preexisting conditions?

No. In most cases Short Term insurance plans do not cover preexisting conditions, which depending on your state’s definition would mean something you received diagnosis or treatment for within the last 2 to 5 years. If you are in this situation, you may want to explore other options or see if you can extend your current insurance plan.

How quickly can I get coverage?

The earliest a Short Term health insurance plan can take effect is the day after your application is received. You may also choose a later effective date based on your individual needs.

Is preventive care covered under Short Term health insurance?

Preventive care can sometimes be covered under a Short Term plan but may be limited. Check plan details for more information.

Will prescriptions be covered if I get temporary health insurance?

Prescriptions may be covered on some plans. Check specific plan details to learn more.

Is my current doctor covered under this plan?

It is possible, but check the network offered by any short term health insurance you plan to buy for the inclusion of doctors that are important to you

Is my current doctor covered under this plan?

It is possible, but check the network offered by any short term health insurance you plan to buy for the inclusion of doctors that are important to you

Do Short Term plans meet federal requirements of the Affordable Care Act (ACA)?

No. This coverage is not “minimum essential coverage” as defined by the ACA. If you don't have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month.

Do Short Term plans meet federal requirements of the Affordable Care Act (ACA)?

No. This coverage is not “minimum essential coverage” as defined by the ACA. If you don't have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month.

Starting in the tax year 2019, the federal tax payment required if you don't have minimum essential coverage goes away.

Can I get a tax subsidy to help pay for my Short Term health insurance?

No. Short Term plans do not qualify for tax subsidies under the ACA. Generally speaking, temporary health insurance costs less than ACA health plans, so the option may still make sense for your situation.

Is Short Term medical insurance limited to annual enrollment periods?

No. Short Term insurance plans have no such restrictions and are available year-round. There’s no need to wait for Open Enrollment to apply.

Health insurance can be complicated. Let us make it simple in your time of need.

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Health insurance can be complicated and you want to work with someone whom you can trust. As an independent agent working with multiple providers, June is able to make sure you get the right coverage you need at the right price.

Schedual a one on one meeting with June today!

Contact J.A. Johnson

Health Insurance

 

Our Office

645 W Ridgeview Dr. Ste 124 Appleton, WI 54911

 

      (920) 284-6067

 

      june.64@live.com

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Neither J.A. Johnson Health Insurance or it's agents are connected to the Federal Medicare Program