Most of the questions I receive are answered below, so please read carefully.
Many people consider short term plans; catastrophic coverage. That’s one way of describing it. There is no Annual Enrollment Period for any short term plans. You can apply and cancel whenever you want to. You can apply as late as Dec 31st if you want a Jan 1st effective date. You can apply now as well. You do have to provide payment info to complete the application. Your application is approved quickly, usually immediately. And, you’ll be able to print out your ID card immediately after you complete your application. ACA (affordable care act) compliant plans from: BCBS, AvMed, Molina and Ambetter are the only Federally compliant plans left in Florida. However, most people agree that they are too costly.
Aetna, Cigna, Humana, Coventry and Unitedhealthcare ARE NOT offering ACA major medical compliant plans in Florida.
Short term plans are not ACA compliant; do not cover any pre-existing issues whatsoever, including pre-existing medications, maternity, mental health, drug rehab and wellness visits. New Medications are covered at either a discount or a copay. The short term plan from National General is available in Florida and most other states. The Provider Network is Aetna Choice PPO, which provides up to 360 days of coverage
Click HERE for quotes and to apply
For the Short Term Major Medical, you’ll have to choose the: STM Standard Issue However, there are other supplemental health products available, such as: Dental, 1st dollar accidental / injury coverage as well as a hospital indemnity limited benefit plan (all of which can limit your financial exposure to one degree or another). A client verification is required after you submit an application. After you apply, You’ll receive an email regarding how to do this and how to obtain your ID card.
Find a provider at: http://www.aetna.com/dse/search?site_id=mymeritain
Choose the: Aetna Open Choice® PPO Network
National General Holdings Corp. (NGHC) is a publicly traded company with approximately $2.5 billion in annual revenue. The companies held by NGHC provide personal and commercial automobile insurance, recreational vehicle and motorcycle insurance, homeowner and flood insurance, self-funded business products, life, supplemental health insurance products, Short Term Medical, and other niche insurance products.National General Accident & Health, a division of NGHC, is focused on providing supplemental and short-term coverage options to individuals, associations and groups. Products are underwritten by Time Insurance Company (est. in 1892), National Health Insurance Company (incorporated in 1965), Integon National Insurance Company (incorporated in 1987) and Integon Indemnity Corporation (incorporated in 1946). These four companies, together, are authorized to provide health insurance in all 50 states and the District of Columbia. National Health Insurance Company, Integon National Insurance Company and Integon Indemnity Corporation have been rated as A- (Excellent) by A.M. Best. Each underwriting company is financially responsible for its respective products.