Short term is another type of insurance that is growing in popularity in the changing insurance landscape.
Plans are offered in Arizona as they are in every other state, although coverage can vary widely from state to state depending on the rules.
So when should you consider short term insurance?
(A special enrollment period consists of things like losing group insurance, moving out of your coverage area, adding or losing a dependent, getting a divorce, having the insurance cancel your coverage for other than non-payment, among other reasons. If you think you might be eligible for an SEP, please contact us).
Like everything else, short term has its advantages and disadvantages.
Among the advantages are:
Some disadvantages include:
You can run your Arizona short term health quote here:
Currently short term coverage is good for a maximum of 90 days.
At the end of 90 days, youíd have to apply again.
You could get short term coverage for up to a year if those rules go through.
We deal with three national carriers in the short term real:
There are some major differences among the three carriers.
United Healthcare offers a large choice of plans with the deductibles that range from $1000 all the way up to up to $25,000. It also has plans with ďlifetime payout maximumsĒ for either $500,000 or $1 million (we recommend going with the $1 million payouts since there is very little difference in cost).
The higher paying plans are designated with an A.
National General has plans that are guaranteed issue.
The guaranteed issue starts from the effective date and does not cover preconditions.
If anything arises that is linked with a precondition, it will not cover that either.
Also, at the end of the three month period, the coverage rolls over and you donít have to apply again.
However, if thereís been any medical activity in the previous period, the deductibles and copays start all over again.
Typically the National General premiums are higher compared to United Healthcare.
IHC is partnered with Blue Cross Blue Shield and offer short term health plans in Arizona.
You can quote the three here:
Check out the comparison of short term health plans in Arizona here. Thanks!
All short term plans are currently subject to the tax penalty in 2018 for plans that donít meet the minimum benefits mandated by ACA.
Thatís the bad news.
The good news is that Congress is doing away with the penalty beginning in 2019.
The Affordable Care Act plans have certain mandated requirements that the short term plans, in Arizona and other states, donít have to offer.
Among the most significant of these is guaranteed issue.
This is a lynchpin feature of the ACA.
Anyone can get coverage through ACA no matter what their medical condition.
When you apply, you have to go through medical underwriting, which means you have to answer questions about your medical history.
Certain illnesses can keep you from getting underwritten.
Other mandatory requirements that short term plans donít have include maternity coverage; no cap on how much the plan will play over your lifetime; and a built-in prescription benefit in which drugs are categorized by tiers based on a formulary, among others.
What short term plans have going for them is comparatively lower pricing; effective dates in a matter of days (with the ACA plans it can be weeks or even a month depending on when you apply); and the ease of application.
You can apply through the quote link here:
If you have any difficulty, please contact us. Weíll be glad to help.
You should generally think of short term coverage as bridge insurance, to get you from a point where you lost prior coverage (job change, for example) to the point where you will get permanent insurance.
Your insurance of choice should be long term coverage, but if youíre outside of open enrollment, and donít qualify for a special enrollment period, or if thereís absolutely no way that you can afford an ACA plan and would have to go without insurance altogether, then short term is the way to go.
That is a decision only you can make, but weíll be glad to give you whatever input we can.
Short term is not for everybody, but it may fill a specific need you haveófor the short term.
Again, there is absolutely no cost to you for our services. Call 866-344-8061 Today!
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