10 Best Short Term Health Insurance In Usa 2019
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An accident or serious illness isn't something any of us like to think about. But preparing for the worst is an important responsibility, especially if we have families to take care of. For many, comprehensive health plans purchased through the Health Insurance Marketplace, as established by the Affordable Care Act (colloquially known as Obamacare), are not a viable option. For example, a large number of people who earn too much to qualify for subsidies remain uninsured.
If this is your situation, a short-term health insurance plan may be right for you.
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Short-term health plans were originally designed to work as stopgaps for people who did not have health insurance because they had missed the last open enrollment period or because they could no longer afford their insurance.
Now, make no mistake: short-term health plans are not for everyone.
The most important thing consumers should do before purchasing a short-term health insurance plan (or any kind of insurance) is to read the terms of the policy fully and carefully. Find out what is and is not covered. Make sure you understand how this plan differs from the comprehensive plans you may be used to. Finally, shop around for different policies and insurers and compare the benefits and coverages each plan offers and how much each plan will cost you, not only monthly when you pay the premium but each time you receive services from a provider, like a doctor or a laboratory.
Reported from Consumersadvocate.org that already make research about all insurance health around the USA, and make the resume for that decide to, 10 best short-term health insurance of 2019
10 Best Short Term Health Insurance In USA 2019
1. Golden Rule Insurance
- Customizable Short-Term Health Plans for Gaps in Coverage
- Eligible expenses include dental services as a result of an injury to your teeth, emergency room and hospital services, and outpatient services and labs
- Visit any doctor in their expansive, nationwide network of doctors; no referral and no primary care physician (PCP) required
- Coverage terms range from 30 days to less than 3 months. Starting in October, consumers in many states may elect coverage that last 364 consecutive days.
- Customize your plan by selecting term, maximum lifetime benefit, out-of-pocket maximum, deductible, and coinsurance.
2. Healthinsurance.net Health Insurance
- Get instant health insurance quotes at healthinsurance.net
- Explore health coverage options by submitting your zip code
- Licensed insurance agents available in all 50 states
- Compare quote from the leading healthcare providers
- Talk to healthcare experts through their toll-free service
3. HealthNetwork Short-Term Health Insurance
- Coverage terms range from 30 days to 1 year
- Enroll in short-term insurance whenever you want and cancel whenever you want
- No cancellation penalties
- Plans start at $30.70 a month (subject to limitations)
4. National General Short Term Health Insurance
- Temporary protection for unexpected medical bills
- 30 days - 1 year terms
- Doctor visit, ER, and ambulance coverage
- Large array of coinsurance and deductible options
- Uses national Aetna Open Choice PPO Network
5. Standard Life Select STM Short Term Health Insurance
- Deductibles that fit your budget
- Terms lasting up to 3 months
- 2 short-term plans to choose from
- $0 application fee
- Lifetime maximums of up to $1,000,000
- Online account management and bill pay
6. The IHC Group Short Term Health Insurance
- Keep your doctor
- Apply year-round -- no open enrollment restrictions
- Only pay for coverage you need, save on average 30% off standard premiums
- Coverage available for hospital stays, emergency room visits, doctor visits, and more
- May be used alongside other supplemental insurance
- Available in 23 states
7. Everest Short Term Health Insurance
- Free-look period
- Pre-pay payment options
- Multiple deducible options
- A+ rated by A.M. Best and S&P
- International office locations
8. HealthCare.com Short Term Health Insurance
- Guided health plan search & comparison
- Educational tools, calculators, and visuals
- Compares over 13,000 insurance plans
- Helps secure a quote in 3 minutes
- Access to over 4,000 available insurance plans
9. eHealth Short Term Health Insurance
- Find and compare insurance quotes from multiple insurers
- Chose from over 180 carriers
- Short-term health insurance covers you for up to 3 months
- Submit application online
- Plans for individuals and families
10. LifeShield Short-Term Health Insurance
- $0 application fee
- MultiPlan PHCS network of doctors and hospitals
- Almost 900,000 healthcare providers under contract
- 2 short-term plans to choose from
- 6, 12, and 36 terms available in selected states
- Affordable primary care access
- Coverage for mental health care and substance abuse available
- Lifetime maximums up to $1,000,000
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