National General Short Term Health Plans
If you find yourself in need of a short-term health care plan you should look into National General Short Term Health Plans. Short term health insurance is major medical insurance that you purchase for a defined period of time. In most cases the monthly premium is lower than other major medical health insurance coverage. There are other advantages to purchasing short-term health insurance beside the price. There are also no open enrollment restrictions on these plans, that means you can apply for coverage anytime. You will receive notification within minutes if your application is approved. You can use your coverage the day after you are approved.
Life can sometimes throw you a curve ball, if this happens you don’t want to be caught without insurance coverage. Spending any time without insurance coverage can be a little risky. National General’s Short Term Health Plans give you the safety net you need for those unpredictable times. These plans give you protection from unexpected medical bills and health care expenses for things such as:
- Doctor visits and some preventive care
- Emergency room and ambulance coverage
- Urgent care benefits, and more
You can click on this link for the Aetna PPO Network Provider Lookup for Short Term Medical: (search using the Open Choice PPO Network)
This coverage is great for people who:
- need to bridge the open enrollment gap
- have recently graduated from college
- Are either part-time or temporary employees
- Do not have adequate health insurance coverage
- May be between jobs or have been laid-off
- Are waiting for employer benefits to start
National General Short Term Health Plans Offer:
- Coverage Period Maximum of $250,000 and $1,500,000
- Deductible options from $1,000, $2,500, or up to $5,000
- Coinsurance Percentage of In-Network plan 100/0, 80/20, 70/30, and 50/50
- Both Doctor Office Visit as well as an Urgent Care Co-pay of $50
Why should you join a National General Short Term Health Plan?
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These plans are generally far more affordable than an ACA plan, even after you consider the tax penalty.In the event that you do not qualify for Obamacare plan subsidies, you will be stuck paying very high premiums. For instance, A 29-year-old woman making $33,000 annually in South Florida will pay about $2,200 each year for a bronze-level Obamacare plan. On the other hand, she could purchase four short-term plans back-to-back for less than $500 a year. Even after you add in tax penalty of $695, she will still save over $1,000 per year. The plans have a comparable deductible.
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You will still be eligible to join an ACA plan in the event that you develop a condition that prevents you from reapplying for a Short Term Health Insurance plan.Affordable Care Act health plans cannot deny coverage for pre-existing conditions therefore, you will be eligible to join an ACA plan during open enrollment.
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Short Term Health Insurance is Flexible. Did you know that the ACA requires every plan to cover 10 essential health benefits. These benefits include maternity services. This means that a single male with an ACA plan will have maternity coverage that he can never use. Short-term health insurance covers services that a healthy member is more likely to actually use.
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There is No Annual Open Enrollment Period for these plans. In fact, you can enroll in a plan anytime you need one. In contrast, you cannot purchase an Obamacare plan if you do not sign up during the short, six-week Open Enrollment Period. Unless you meet certain criteria for a special enrollment period.
If you have any questions, please contact us either by phone at (203)796-5403 or by email at edward@croweandassociates.com. We will be happy to go over your options for insurance coverage.