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Expanded Short Term Health  -  Short term health questions and answers

Common Questions on Trump's New Short Term Health Plans

common questions and answers about Trump short term health plans


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:

How to quote Trump short term health plans


Otherwise, let's jump to the most common questions by order of popularity:



Let's get started.

How do I cancel My Short Term policy?


An email to the carrier with request to cancel will suffice.


You need to include your policy # in the email.


We recommend sending the request about 2 weeks prior to the next 30 day block of coverage.

This way, you avoid the refund process.


Ultimately, you can request the cancellation up to the last day of the current 30 day period.

Do I have to take it for 90 or 364 days?




The 90 or 364 days is the maximum duration you can have policy.


You can always cancel month to month with short term health plans.


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).

Are the rates quoted for the full period or monthly?


The rates quoted are monthly.


There may also be a one time application fee (not ours, the carriers).

Is there a penalty if I get short term?


The penalty for not having ACA or Obamacare coverage will be in effect through 2018.


It's scheduled to disappear in 2019 and beyond.

What if I answer "yes" to one of the health history questions?


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.

Can I get less than 30 days of coverage?


30 days is the minimum amount of coverage available through short term.

What is the maximum amount of coverage I can get?


The old short term plans have a maximum duration of 90 days (3 x 30 days)


The new Trump expansion will allow up to 364 days continuously under one policy.


You may be able to renew this up to 3 years.

Should I get short term or Cobra/Obamacare?


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.

Do I get PPO discounts when meeting short term deductible?


Yes. For covered benefits, in-network, you'll be able to take advantage of the PPO discount.


On average, this is usually 30-60%.

How does deductible and max out of pocket work?


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.


Your exposure for a $50K hospital bill (in-network, covered benefits) would then be $7500.


You can see all the plan options through the quote here:

How to quote Trump short term health plans

Are prescriptions covered?


With short term plans, it depends on where you're getting them from:


  • In-patient (in hospital or facility setting) - generally covered per plan benefits
  • Out-patient (pharmacy) - generally not covered


Short term plans are catastrophic in nature.

They're designed to cover the big bill.

Is Maternity covered?


Maternity is not covered with short term plans.

Are pre-existing conditions covered?


Pre-existing conditions are not covered by short term plans.

Is Mental Health covered?


Mental health and substance abuse are not covered by short term health plans.

When can we enroll in short term? Open Enrollment?


Anytime during the year.

We can usually get an effective date as early midnight following online enrollment.


You can access the online application through the quote here:

How to quote Trump short term health plans

Is there a cost to go through you?


Zero cost.


Our services as licensed short term health agents are 100% free to you.


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.

Is there an application fee?


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.

Are these the best Short term rates?




These are the best rates available by carrier and plan.



Review of Short Term health plans


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!


Quote the new Expanded 364 Day Short Term Health Plans here


Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!



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