How soon can my coverage start?

Coverage for short-term health insurance plans usually starts the following day after the application is submitted. In order for coverage to start promptly, you can make your first premium payment by supplying a valid credit card number with your application. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment. If you would prefer to have your coverage start later, you can select a date up to 30 days in the future.

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What if I only need coverage for less than 30 days?

Most short-term health insurance plans have a minimum coverage period of 30 days. Even if you only need coverage for less than 30 days, you can either make a single payment upfront for 30 days of coverage, or select the monthly payment option, and then cancel your coverage when you no longer need it. You should be aware that you will not be refunded for partial months of coverage.

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What is short-term health insurance?

Short-term health insurance plans provides coverage for a limited period of time. Usually short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. This is a good solution for people between jobs or those waiting for other health insurance to start. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans. The application process for short-term health insurance is usually simpler than standard, longer-term health insurance. Short-term health insurance plans […]

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What are Preferred and Non Preferred providers for a PPO plan?

PPO is a network of physicians that have agreed, by contract, to discount their rates for the respective PPO members. These physicians, specialists are known as preferred providers, and PPO members are free to see any of them, without any reference from their primary physicians. PPO members may also see non-contracted providers, these are known as non preferred providers. The co-payment fee for seeing a non preferred provider is generally higher than the preferred providers.

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What is difference between Urgent Care and Emergency Services?

Taking appointment for any ailment is a time taking process, hence every hospital provides urgent care and emergency care services. These are the quick medical care services provided by almost all medical centers. Emergency services are those services required as a result of unforeseen injuries or acute illness, for which a delay in treatment would result in a permanent physical impairment, or loss of life. Such as heart attacks, strokes, poisonings, sudden inability to breathe etc. Urgent care includes less serious medical conditions which require immediate attention. Such as fever, fractured bone, any cuts which require immediate attention, etc.

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What is a Chart Number?

The cost for both alternatives will remain the same, in other words there will be no price differentialThis is a number given to each patient, it refers to a file which has all the records of your prior tests, ailments, etc. This number makes it easy for the person at the reception to make your future appointments and is also a reference for your doctor. One has to always provide his/her chart number whenever you call or visit a doctor.

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