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Short Term Health Insurance

Writer's picture: Braden Medicare InsuranceBraden Medicare Insurance

Updated: Dec 19, 2024

Michael T Braden August 29, 2024 Short Term Health Insurance

Braden Medicare Insurance' Poster, "Short Term Health Insurance"
SHORT TERM HEALTH INSURANCE


BENEFITS OF SHORT-TERM HEALTH INSURANCE

 

Short Term Health Plans are not for everyone.  However, if you find yourself between jobs and realize how utterly over-priced COBRA is, then Short-Term Medical Plans might be a good fit for you. Short Term Health Plans are extremely affordable and you can customize your deductible from $1,000 - $10,000 to best fit your needs.  These plans are not compliant with the ACA/Obama Care, but until they change the law again, they might be a good option for those who cannot afford a Health Plan through the exchange and for those younger adults in excellent health.

 

HOW LONG IS THE COVERAGE PERIOD


Short Term Medical Plans can be contracted for anywhere from a month to a year and most can be renewed for two additional years.

 

IS THERE A WAITING PERIOD?


Most plans are very affordable, customizable, and they can be in effect the next day.

 

WHAT ABOUT PRE-EXISTING CONDITIONS


The majority of Short Term Health Plans for individuals do not include coverage for Pre-Existing conditions, but several due, up to a certain dollar amount .  

 

IS MATERNITY CARE COVERED?


No, there is no coverage for Maternity or Pre-Natal care at all.   

 

DO SHORT-TERM PLANS COVER PRESCRIPTION MEDICATIONS?


Some Short Term Medical Plans do have Prescription coverage available.  However, I think most people are better off using GOOD RX, Single Care, or other Pharmacy Discount Cards/Apps as they will usually have lower prices than the Short Term Medical Prescription Rates, especially because there is no deductible using those cards.


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BRADEN MEDICARE INSURANCE

3412 West Monterey Street
Chandler, Arizona 85226

(480) 225-1393

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Disclaimer: Medicare has neither reviewed nor endorsed this information. Braden Medicare Insurance Agency is not associated with or endorsed by the United States Government or the Federal Medicare program. Braden Medicare Insurance is an Independent Medicare/Healthcare Broker offering Medicare Supplement and Medigap Plans, Medicare Advantage Plans, Medicare Prescription Drug Plans, Under 65 Health Insurance, Short Term Health Insurance, Life Insurance, Dental, Vision, and Hearing Insurance. The Braden Medicare Insurance Agency is not affiliated with the U.S. Government or the Federal Medicare Program

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