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Songer Benefits, Inc. Blog

All You Ever Wanted to Know About Insurance

Short-Term Health Insurance Overview

Short-term health insurance can be a great option today for many different reasons. The name itself in our opinion is somewhat misleading. You can purchase a short-term health insurance plan for up 360 days. In most cases when the 360-day term is up, you have the option to renew the policy. For this reason, short-term health plans have become many of our primary health insurance. 

One of the most compelling reasons to buy a short-term health insurance plan is because of the price. In many cases, the cost can be significantly lower than a fully insured plan. However, to qualify for a short-term health plan, you must undergo underwriting. If you have any major medical issues a fully insured plan would be the better option. Also, short-term health plans do not have prescription drug coverage until you meet the deductible in most cases. The savings from a short-term health plan can often outweigh this cost. Lastly, short-term health plans can have a cap of up to $2 million. 

If you live in Beckley West Virginia or any of the surrounding areas and are looking for health insurance, please give us a call. We currently sell and service many different health insurance products for businesses and individuals in Beckley West Virginia and surrounding areas. If you're needing a group health insurance plan or an individual plan and would like more information on Health insurance we are glad to help you any way that we can. Our location is 2955 Robert C. Byrd Dr. Beckley WV. Alternatively, give us a call at 304-252-6568