Short Term Health Insurance

Short-term health insurance, also known as temporary health insurance, provides medical coverage for a brief period to US citizens and residents in the US. Typically, these plans can provide coverage from 30 days to 180 days. However, some short-term policies can cover up to 365 days. Though temporary health insurance policies have limited coverage, these policies are highly affordable.

Short-term health insurance plans are ideal for:

* US citizens or residents who are unable to apply for Obamacare because either they have missed the Open Enrollment or did not qualify for the Special Enrollment.

* US citizens or residents waiting for their Obamacare to begin.

* US citizens or residents looking for coverage to bridge the gap in Medicare coverage.

* 26-year-old individuals who do not have their parents’ insurance coverage anymore.

* Individuals in between jobs or waiting for the next employment insurance benefits.

NRIOL.net has affordable short-term health insurance plans in the US that can keep members financially secure for the selected term length. If you fall in any of the above categories, contact us. We can help you find a suitable plan to keep you safe for a short duration.

What is Short-Term Health Insurance?

Short-term health insurance USA plans are designed for a short and temporary duration to protect US citizens and residents from unfortunate medical events in the US. The plans are flexible, affordable, and work well during transitional periods. Coverage begins immediately, which can keep individuals covered from 30 days to 12 months. The policy maximum can go up to $2 million.

Even though short-term insurance plans do not provide pre-existing condition coverage, maternity coverage, mental health, preventative care, or immunizations, this temporary health insurance can be a life-saving investment for people who wait for long-term insurance plans to start. With a short-term medical plan, you can get covered as soon as you apply for it. You can choose your length of coverage and deductible from various options, and finally, select a plan that fits your short-term needs.

Short-term coverage plans are not renewable, but once the coverage ends, you can buy the plan with the same coverage again or sign up for a completely different short-term plan. Spouses and dependents can be covered under short-term plans. Everyone needs to meet the medical requirements of the plan as these policies are medically underwritten. These plans take effect as early as the next day after your application is received. Or you can also choose an effective date in the future for your coverage to start.

For more information about these plans, call us.

Advantages of Short-Term Health Insurance

Affordable rates– As short-term US health insurances offer brief coverage, the plans are cost effective and can cover you from 30 days to 12 months.
A great option– You do not have to worry about not having medical coverage during a transitional period. A short-term health insurance plan can be your savior for a few months.
Protect finances– With a short-term health insurance plan, you can rest assured that your finances are safe during an unforeseen event. You do not have to pay medical expenses for the covered benefits from your pocket, especially when you are not covered by long-term plans in the US.
Peace of mind– The plans provide you with health coverage when you have no insurance plans to cover you during a transitional period. If you are unemployed or switching jobs or missed the Obamacare enrollment, you can buy temporary health plans.
Easy purchase- Buying temporary health insurance policies is not complicated. Follow simple instructions, and you get a confirmation email within a few minutes.

Why Choose us for Short-Term Health Insurance?

Vast network– NRIOL.net has spread its network globally so that everyone receives prompt services whenever needed.
Trustworthy- NRIOL.net has been serving clients since 2003, ensuring that every traveler receives a tension-free experience during their trips.
Affordable rates- We offer plans at the best price in the market so that it becomes easy for everyone to buy them.
Excellent customer service- We offer 24/7 customer service to our members and guide them in the right direction.
Quick reimbursement- The insurance providers ensure that claim process is fast and hassle-free.

Short-term vs. long-term health insurance

Short-term insurance plans are designed to cover medical and travel experiences for less than a year. Individuals get to choose their policy maximum and deductible, permitting them to stay in control of coverage and the price. These plans provide coverage for new illnesses or injuries, including doctor visits and hospitalizations.

However, be sure to check the policy brochure as these plans do not cover long-term conditions like maternity, mental health, and pre-existing conditions. In addition, the plans do not meet ACA (Affordable Care Act) standards.

Long-term insurance plans are annually renewable and comprehensive. They are also designed for US citizens and residents to stay on the same plan for longer periods. These plans cover inpatient and outpatient treatment, prescriptions and drugs, pre-existing conditions, emergency evacuation and repatriation, and more. These policies meet ACA standards.

Short-term vs. long-term health insurance

How much does short-term health insurance cost?

Typically, a short-term plan is cost-effective. The cost of short-term health insurance depends on the coverage and duration one chooses. For example, plans with 30 days of coverage will cost you less than those offering you 180 days. To know more about the rates, call us.