Mark E. Snapp & Associates


Short-term plans can help in these situations

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    Change of employment

    Laid off? Job loss?Get covered in between jobsand employee benefits.

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    You may be able to fill a gap in your major medicalcoverage.

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    Special activities

    Need proof of insurance?A short-term plan can bequick and affordable.

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    Before Medicare

    Waiting for coverage?A short-term plan can protectyou in the meantime.

Short-term plans are temporary coverage with limited benefits. They are not ACA-compliant, don’t cover pre-existing conditions and are not guaranteed-issue. You may still be subject to the tax penalty.

Differences Between Short Term Health Insurance and Health Insurance

    Short Term Health Insurance Health Insurance
  What is the length of coverage? Short Term coverage can last from 1-11 months.3 Individual ACA health insurance plans have the ability to change plans during Open Enrollment.
  What is the type of coverage? Comprehensive medical insurance coverage Comprehensive medical insurance coverage
  When can coverage start? Coverage can start as early as the very next day. Coverage available during Open Enrollment, unless you have a qualifying event.
  How much are the premiums? Short Term health insurance premiums are typically much lower than individual health insurance premiums. Individual health insurance premiums may be higher than short term insurance premiums.
  Is preventive care included? No Yes
  What network is included? Full access to the UnitedHealthcare Choice Plus network in most areas. Access to a UnitedHealthcare network. Network varies by location.
  Can I see a specialist? Yes. There are no primary care physician/specialist referrals required. Yes. Some plans require referrals.
  Are there any preexisting condition limitations? No benefits are payable for preexisting conditions with Short Term health insurance plans. Previous covered conditions will be considered preexisting under subsequent certificates/policies. ACA plans are guarantee issue and do not have preexisting condition limitations.

What about Preexisting Conditions?

Short Term health insurance plans typically do not cover preexisting medical conditions. The definition of preexisting condition varies by state, but, in general, Short Term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 2 to 5 years. If you have an existing medical condition, you may want to find out whether you can extend your current insurance. Employer-sponsored insurance may be extended under COBRA(or a similar state program). 

Obamacare care plans too costly? Try short term medical
Turning 64 and need a low cost to secure the next twelve months
until you turn 65 then try short term medical

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