Short Term Medical

Life doesn't stop and neither should your coverage
Short-term medical is a great alternative to high-cost ACA plans.

Short Term Medical gives you the flexibility to get the coverage you need, with the options you want, for the time that suits you best.
Getting an honest and local agent from the Omaha area will save you time and money. Don’t fret over having enough coverage or paying too much in monthly premiums. We streamline your insurance portfolio to give you back your time and take away your stress.

What is Short Term Medical Coverage?

Short term health insurance may provide you with temporary medical coverage in certain situations. Many of the features of these temporary health insurance plans differ greatly from traditional health plans. What is short term health insurance and is it right for you?

Short term health insurance is a type of health plan that can provide you with temporary medical coverage when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency. However, to get the most out of a short term health plan, you need to understand how they work, what they cost, and what they cover.

What Does Short Term Coverage Have to Offer?

Short term health insurance coverage varies greatly depending on the plan and the insurance company you buy from. These types of plans are not required to comply with Affordable Care Act (ACA) guidelines. ACA plans are required to provide certain levels of coverage—called minimum essential coverage. Short term health plans are not required to meet the same standards.

Short term medical insurance typically provides some level of coverage for: preventive care, doctor visits, urgent care, and emergency care. There may also be coverage for prescriptions. Some plans also offer cost savings for seeing in-network providers. Make sure to read the “exclusions and limitations” information before buying any plan. This will tell you what’s covered and not covered by a certain plan.

The Benefits of Short Term Health Plans

Short term plans were created to help fill temporary gaps in coverage that can occur in certain situations.

  • Designed to fill short-term gaps in coverage should you need it
  • You can cancel coverage whenever you’d like without penalties
  • You can typically choose a plan that covers you up to a year, if you needed it
  • Many different plan designs are available, depending on insurance carrier

Is Short Term Health Insurance a Good Idea?

Short term health insurance may not be ideal for the long term. But there are some situations in which you may need temporary coverage and a short term health plan may provide it:

 

  • You missed open enrollment for a traditional health plan
  • You lost or left your job
  • You turned 26 and just transitioned off your parents’ health plan

More Information About Short Term Health Insurance.

If short term health insurance seems like the right fit for you or you would like more information we have provived fliers for the companies we work with here:
Shop for plans and see your options at United Healthcare by clicking on the button below.
Get In Touch

Hi! I’m Christine Flaxbeard and I’ve dedicated my life to three things: Healthcare, Childcare and Helping out Fellow Nebraskans.

Contact Chris Anytime
Call: (402) 616-7172
Email: Chris@flaxbeard.com