While healthcare and health insurance costs may be high, there is medical insurance that you can sign up for that is not nearly as expensive. A lot of people will save money next year with short term health insurance for 2020. These short term plans are more flexible than major medical plans and will give you similar coverage at a lower price, saving you money over the long run. They may not be a permanent solution to your health issues, but they can provide some great temporary relief that isn’t nearly as much of a strain on your wallet as a long term plan would be.
Short term plans are designed to offer targeted coverage to you that only covers very specific medical expenses. That means that unlike Affordable Care Act plans, or Obamacare plans, they are not required to cover the 10 essential medical expenses for you. Some of those expenses could be covered, but they are not required for a complete short term health insurance plan.
This gives you freedom to pick more personalized coverage. You can find a plan that suits you well and not worry that you may be paying for extra coverage that you would never use. This kind of plan is ideal for people who are in fairly good health overall but have some health issues that are not being covered by their current plan. Those essential medical expenses just may not apply to you, so why not choose a coverage plan that gives you more fitting cover?
The short term plans can provide you with catastrophic health insurance, giving you temporary health insurance to cover you for whatever kind of emergency or transitional health problem you are facing. You can save money and be well covered, so long as you get the right kinds of plan from the right provider. The different insurance providers choose their rates and the kind of coverage plans that they want to offer, so choosing the correct insurer is really important. Here are a few that we think you should know about as you look for your healthcare coverage.
National General Short Term Health Insurance Plans– Getting your plan from National General gives you access to a wide range of plans that cover all the bases. They have one of the largest selections of plans to choose from, plus they offer some nice member perks like telemedicine (long range treatment from the comfort of your own home) and gym memberships, among other benefits.
Find Rates for 2020 National General Short Term Health Insurance
Pivot Health Short Term Health Insurance– Pivot will often save you 50% or more over major medical plan providers, and they are one of the most competitively priced insurers out there. Like National General, Pivot Health will offer a wide selection of plans, which is impressive for such a relatively new insurer to the health insurance marketplace.
Compare Plans For Pivot Short Term Health Insurance 2020
United Healthcare Short Term Health Insurance– We think seniors should consider United Healthcare as an option mainly because of their vast network of connections and resources. They hold partnerships with many of the doctors and hospitals around the country, offering great discounts on services, including those that are not considered medically necessary.
Review Rates for 2020 UHC Short Term Health Insurance
These are just some of the choices available to you when you are looking for short term insurance plans. You can join their short term plans anytime you like and can start getting coverage as soon as the next day, if that’s what you want. It’s really easy to sign up as well, as these plans are open to just about everyone. Keep in mind that any preexisting medical conditions you have are probably not going to be covered by a short term health plan, but just about anything else will be.
You can also get your coverage whether you are visiting the same doctor you have always visited or going to see a new one. That’s one of the advantages of shorter term policies. They let you pick your healthcare provider, which make this so much more convenient for you than if you compare these plans to something like Medicare or Medicare Advantage. Those kinds of plans limit where you can go based on whether the healthcare provider accepts the coverage plan if not. Short term insurance is a lot more open and flexible for you.
Should You Get Short Term Health Insurance?
Only you can decide if this is the right kind of coverage plan for you, but we can certainly help you make the right decision. Our team of healthcare experts will be happy to answer your questions and determine what kinds of plans you are eligible for. You will want to look at all of your options, of course, but if you fit the criteria for any of the examples we listed earlier, then short term health insurance is probably the right way to go for you.
Be sure to take some time to look at the plans we list here on our site. You can examine their rates and see how they compare to one another to find the best deal. If you are not being covered well right now and just need a temporary solution as things get back to normal, then a short term plan is ideal for you. You can sign up for as little as a few months, and you can keep the same plan for as long as 365 days, in most cases. You can even keep renewing your coverage and stay covered for up to 36 months, but the laws on how long you can have a short term medical instruct plan will vary from one state to another, so check your state laws before you start looking to see how those laws affect this kind of healthcare coverage.
Short term health insurance for 2020 is going to save many people money this coming year. It could benefit you as well, but you’ll want to assess your own needs first and then look at the plans that are available. You may just find a good short term plan that meets your needs and saves you on healthcare costs for the year.
How do our plans differ than ACA plans?
This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.