Professional Insurance Services represents several excellent short-term major medical health insurance companies.
There are many reasons why people may need short-term major medical health insurance:
- Coverage between jobs
- Coverage between school and a job
- As temporary major medical health insurance coverage for early retirees until Medicare eligibility
- Less expensive alternative to the Health Care
Reform mandated “Qualified Health Plans” on the Federal, State or Federal/State Partnerships Exchanges
Short-Term major-medical health insurance plans
have limited underwriting. They do not generally cover pre-existing conditions, but
there are exceptions. They do, however, cover new health conditions that begin after the effective date.
Short-term major-medical health insurance plans may be purchased for as few as 30
days up to 330 days. When the term period expires, you may buy another plan. Any health conditions that occur under the first
plan will then be considered a pre-existing health condition under the new short-term major-medical health insurance plan.
Therefore, it may not be covered under the new short-term major-medical plan, even though it may have been covered under the
initial short term plan.
Short-term major medical plans are not
eligible for any federal or state premium subsidies under the Affordable Care Act.
Short-term major medical plans do not include the “Essential Health Benefits” that are required
to be included in the Affordable Care Act.
However, your total premiums will be significantly less than if you were covered under the Affordable Care
find a short-term major medical health insurance plan that fits your needs, you may run free quotes and even enroll in the
short-term insurance plan of your choice, online, without contacting an agent.
Just select from the short-term major medical health insurance company
links below or feel free to call Professional Insurance Services for help at 1-800-922-1283.
Updated August 7, 2019