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Short-Term Medical Plans

Short-Term Medical Plans

With a short-term medical health plan, you select the coverage term length minimum of 30 days in most states; maximum term length can vary up to 364 days, then choose your deductible and coinsurance that fit your budget. Once you meet your deductible, you pay a percentage of covered expenses, also known as coinsurance, to the coinsurance out of pocket maximum you selected. Then insurance pays 100% of the remaining covered expenses to the maximum lifetime benefit.

Why should you consider this coverage? These plans can help bridge the gap in coverage if you must wait until the next open enrollment or wait for other coverage to begin, or between jobs, retired early, just graduated college. Keep in mind that you may owe additional payment on your taxes because these plans are not ACA compliant. However, the federal government is not currently penalizing people that do not have health insurance.

In West Virginia, you can get a short-term medical health insurance plan from 30 to 360 days. When you purchase a short-term medical health plan, it is essential to remember that they require some medical underwriting. If you have a severe health condition, purchasing a short-term health plan can be challenging. It is also important to note that most short-term health plans will consider a pregnancy a pre-existing condition and not cover it. You must read all of the general exclusions associated with the short-term medical plan you are purchasing for situations such as this.

Some companies offer short-term health plans for three years where you apply once for insurance coverage terms that equal one day minus three years. They include a 2,000,000 lifetime maximum benefit per covered person. Eligible expenses for pre-existing conditions are covered after 12 months on the plan. Doctor visits are covered on most short-term medical plans. With some plans, you pay a $50 copay for the first four doctor visits per term, per person, with no deductible you have to meet. Prescription drugs on some short-term health plans have prescription coverage. Copper select plans have a $20 copay for standard tier one prescription drugs. 

There are many options with short-term medical plans, so it is essential to speak with somebody who understands the different options available to you, given your specific situation and health condition. Most short-term medical health plans have a $2 million maximum benefit per person. Deductibles can range from 2500 to 12,500 on short-term medical health plans. Coinsurance amounts can range from 0% to 50%. Not all short-term medical health plans have doctor office visit copays. Meaning you will pay the total amount of a doctor's office visit unless you have met your deductible.

Songer benefits offer a wide range of short-term medical health plans. We understand the benefits thoroughly, who these plans are good for and who should stay away from them. We offer short-term health plans with large carriers that offer access to a vast network of care. They have nationwide networks to use any doctor in your network across the nation. They do not balance the billing network; network providers will not charge you more than the negotiated rate. In-network providers agree to provide quality care at a lower cost to you. For more information on short-term medical plans, contact Songer Benefits. We are happy to help you at no cost.