Expanded Short Term Health - Short term health questions and answers
Some questions deal with the new expansion.
Some questions have remained the same for short term health in general.
Let's look at most of them.
For anything not here, please feel free to call 800-320-6269 or email us.
You can always jump to the quote here:
Otherwise, let's jump to the most common questions by order of popularity:
Let's get started.
An email to the carrier with request to cancel will suffice.
You need to include your policy # in the email.
This way, you avoid the refund process.
Ultimately, you can request the cancellation up to the last day of the current 30 day period.
No.
The 90 or 364 days is the maximum duration you can have policy.
Please see above for how to cancel.
You can find out more how the new short term health plans work here.
You can continue to keep the policy up to the maximum period (90 or 364 day with Trump expansion).
The rates quoted are monthly.
There may also be a one time application fee (not ours, the carriers).
The penalty for not having ACA or Obamacare coverage will be in effect through 2018.
It's scheduled to disappear in 2019 and beyond.
Usually, we're unable to enroll in short term if we answer "yes" to a health history question.
Make to answer honestly on the application.
Otherwise, they may rescind the coverage which defeats the purpose of getting it!
Check with us for other options if we can't answer "no" to all the questions by email.
30 days is the minimum amount of coverage available through short term.
The old short term plans have a maximum duration of 90 days (3 x 30 days)
You may be able to renew this up to 3 years.
This is a big question.
Short term is very different from Obamacare.
We've written an extensive article Obamacare versus Trump short term health plans.
We're happy to walk through questions with you at 800-320-6269 or by email.
Yes. For covered benefits, in-network, you'll be able to take advantage of the PPO discount.
On average, this is usually 30-60%.
Generally speaking (please see brochure through short term quote), you add the deductible and max out of pocket for your total exposure up to policy max.
For example:
If you have a $2500 deductible and a $5000 max with a 50/50 split"
You pay the first $2500 (deductible)
You then start paying 50% of remaining eligible charges until you hit another $5000.
You can see all the plan options through the quote here:
With short term plans, it depends on where you're getting them from:
Short term plans are catastrophic in nature.
They're designed to cover the big bill.
Maternity is not covered with short term plans.
Pre-existing conditions are not covered by short term plans.
Mental health and substance abuse are not covered by short term health plans.
Anytime during the year.
You can access the online application through the quote here:
Zero cost.
Find out more on how to find the best short term health agents here.
Call us at 800-320-6269 or email us with any questions.
Each carrier will have a one time application fee.
The expanded 364 day Trump short term makes this a better value since it's a one-time application fee.
Yes.
These are the best rates available by carrier and plan.
Anywhere!
We're happy to help with any questions!
Call us at 800-320-6269 or email us.
We'll add new questions to help future readers so please send them over!
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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