Bridge your gap between coverage and reduce overall health care costs.
Health insurance has gotten expensive. But it isn't worth remaining uninsured.
In response to the rising costs of health insurance premiums this year, many individuals have turned to short term health insurance.
It’s a convenient alternative to qualified health plans—with lower monthly premiums and next day enrollment, short term will bridge your gap in coverage so you don’t have to be uninsured until the next Open Enrollment Period. It works nicely for people who are consistently in good health because it functions like a catastrophic plan. Meaning it will cover you in the event something unexpected happens but not is not meant for everyday check ups, tests and procedures. Short term health insurance plans such as UnitedHealthOne have little network restrictions on doctors and hospitals and no waiting period from the time you complete an application to having coverage in place.
There may be many reasons why you choose short term coverage. Maybe you missed the deadline of the Individual Open Enrollment Period and don't have a Qualifying Life Event (QLE). Maybe it’s a matter of affordability—this year rates increased immensely. Or you're a healthy individual who would like to pay out of pocket for your healthcare needs (and refuse to pay those high monthly premiums).
Whatever the reason.
Short term it is meant to cover individuals in times of transition—
We are currently in Special Enrollment Period (SEP). This means you can’t enroll into a health insurance plan until the next government-regulated Open Enrollment Period (OEP). This year’s OEP ran from November 1, 2017 – December 15, 2017.
There’s an exception during SEP for individuals with a Qualifying Life Event (QLE):
You must enroll or make a change to your current plan within 60 days of your QLE. This time of year—short term health insurance is the best option for individuals who don’t have a QLE.
Keep in mind most short term policies are medically underwritten so unlike qualified health plans you can be denied coverage if you have a pre-existing condition.
For example: If you are asthmatic and you are hospitalized for an asthma attack. This policy will not cover your claim.
Short term health plans have significantly lower premiums because they do not cover essential health benefits like mental healthcare, pregnancy and preventative care.
SHOP SHORT-TERM HEALTH PLANS TODAY