Nothing is more important than your and your family’s health. That’s why MyInsuranceAdvisers strives to provide you and your loved ones with a health insurance policy that’s high-quality and cost-effective from the nation’s top insurance companies.
Are you without health insurance due to a layoff or job loss? You are few months’ shy from qualifying for Medicare, yet still need medical coverage in the mean time? If you answered yes, then a short-term medical insurance may be your best option.
Short-term medical insurance is a temporary health insurance plan designed for people who are without health insurance and are waiting for longer term, major medical insurance coverage.
Compared to other plans, short-term insurance can have low, affordable premiums. Many applicants are approved and get proof of insurance quickly, sometimes on the spot. And due to its flexible terms, plans can cover you for any period from 30 days up to 12 months.
Short-term health insurance is not considered minimum essential coverage under the Affordable Care Act (ACA), and you may be subject to the tax penalty if you do not maintain appropriate coverage.
Choosing a health insurance type depends on your specific needs and wants.
There are three major types of health insurance plans:
All these plans use a network of physicians, hospitals and other health care professionals to give you the highest quality care. The difference between them is the way you interact with those networks.
With an HMO plan, in most instances, you must pick one primary care physician. All your health care services go through that doctor. You will need a referral before you can see any other health care professional, except in an emergency or for certain routine and wellness related services. Visits to health care professionals outside of your network typically aren’t covered by your insurance.
With PPO plans you may get care from any provider in the US. You may choose in-network or out-of-network providers. Staying inside your network means smaller copays and full coverage. If you choose to go outside your network, you'll have higher out-of-pocket costs, and not all services may be covered.
POS plans combine the flexibility of PPO plans with the cost-savings of HMO plans. You don’t need to choose a primary care physician, and you don't need referrals to see a specialist. Some limitations to consider include:
If you would rather have your care coordinated through a single doctor, an HMO plan may be the best plan for you. If greater flexibility to see different specialists, a PPO plan may be what works best for you. And if you're interested in saving money by using a smaller network of doctors and hospitals, a POS plan might be a good fit.
If you don’t currently have health insurance, you need it. For more information on short-term insurance, and HMO, PPO or PSO plans, contact us at firstname.lastname@example.org, or at 832-604-9500.