What are the Best Short Term Health Insurance Plans?

Short Term Health Plans

best short term insurance

Short Term Medical Plans:

This article is prepared to help you compare between the 3 best short term insurance plans.

Short Term Health Insurance plans give you the flexibility to get the coverage you want, for the time that best suits you.

You can get benefits and options that provide protections for the costs associated with everyday health care and the unexpected, such as:

  • Doctor visits and preventive care
  • Emergency room and hospital stays.
  • Pharmacy benefits and discount options.

Short Term Insurance Plans Features:

Each plan has difference feature, some of which include the below. Short Term Insurance plans are known for the flexibility in picking what features of coverage you like to have with your plan.

  • Doctor Visits Copay
  • High Deductible Options
  • Low Deductible Options
  • Prescription Drug Coverage
  • Open Access Network and PPO network.

Note that some plans may have one, couple, or none of the features above. Also, keep in mind that short term health insurance plans do no follow the ACA (Affordable Care Act) rules and have exclusions to certain coverages and pre-existing conditions. To learn more about common exclusions to short term health insurance plans click here.

Best Short Term Insurance Plans: 

Below is a list of the top 3 Short Term Health Insurance Plan carriers.

National General
Doctor Visits Copay
Yes (Some plans)
Free Telemedicine
No
Child Immunizations covered
Yes
Preventive Care
Yes
Prescriptions Drug Copay
Yes
Contraceptive Coverage
NO
Network
Aetna PPP, Cigna PPO
Next day effective date
Yes
Pivot Health
Doctor Visits Copay
Yes
Free Telemedicine
Yes
Child Immunizations covered
Yes
Preventive Care
Yes
Prescriptions Drug Copay
Yes
Contraceptive Coverage
Yes
Network
Any Provider (open access), Cigna PPO
Next day effective date
Yes
United Healthcare Golden Rule
Doctor Visits Copay
Yes
Free Telemedicine
Yes
Child Immunizations covered
No
Preventive Care
Yes
Prescriptions Drug Copay
Yes
Contraceptive Coverage
No
Network
UHC Choice PPO Network
Next day effective date
Yes

Get Short Term Health Plan Quotes

How long can I have Short Term Health Insurance Plan for?

You can have a short term health insurance plan for as long as your state allows you to. Some states allows short term health plans up to 6 months, other states allow up to 18 months. Alternatively, some states, like Colorado and California ban short term health plans. Learn more about short term health plans availability, and length here.

Can I use my Short Term Health Insurance Plan outside my state?

Yes. Since most short term health insurance plans have PPO or Open Access network, then you can use the plan in any state where the carrier is accepted (for Cigna and Aetna).  For Open Access or Any provider with Pivot Health, you can see any doctor or go to any hospital.

 

When can I buy a Short Term Health Insurance Plan?

Anytime. You can enroll in a Short Term Health Insurance plan at anytime during the year, as long as you reside in a state that allows the sale of Short Term health plans. The effective date for the policy could be the second day or any day you want in the future.

 

Do Short Term Health Plans offer Dental or Vision Coverage?

No. Dental and Vision coverage is not offered under Short Term Health Plans. You can enroll in an affordable stand alone Dental or vision plan.

 

Can I switch from one Short Term health plan to a different plan before the end of the term?

Yes. Just like you can enroll in a short term health plan at any time, you can disenroll form a short term health insurance plan at any time as well. If you have questions about switching between plans or want to learn about other available options, contact us

Can I enroll in a Short Term Health Plan before Medicare starts?

Yes. You can enroll in a Short Term Health Plan in the period before you receive Part A and Part B coverage. Contact us about best plans for Medicare Gap.

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