Click HERE for affordable health insurance

Short Term Health Insurance is a major medical insurance alternative to the Affordable Care Act (Obamacare). Whether you need coverage during a transition or gap between insurance or if you are looking for a solution outside of Obamacare, Short Term Health Insurance offers an affordable and flexible option.

Consider Short Term if you’re: Between jobs; Waiting for other coverage to begin; Waiting to be eligible for Medicare coverage; without health insurance, outside of Open Enrollment. For these situations and more where you are stuck in a coverage gap, finding the best short term health insurance plan you can may be just the right solution for you.

Is Short Term health insurance available for families?

Yes, spouses and dependents can be covered under a Short Term insurance plan. However, because Short Term is medically underwritten, all family members will need to meet medical requirements of the plan.

Does Short Term health insurance provide coverage for preexisting conditions?

No. In most cases Short Term insurance plans do not cover preexisting conditions, which depending on your state’s definition would mean something you received diagnosis or treatment for within the last 2 to 5 years. If you are in this situation, you may want to explore other options or see if you can extend your current insurance plan.

How quickly can I get coverage?

The earliest a Short Term health insurance plan can take effect is the day after your application is received. You may also choose a later effective date based on your individual needs.

Is preventive care covered under Short Term health insurance?

Preventive care can sometimes be covered under a Short Term plan but may be limited. Check plan details for more information.

Will prescriptions be covered if I get temporary health insurance?

Prescriptions may be covered on some plans. Check specific plan details to learn more.

Is my current doctor covered under this plan?

It is possible, but check the network offered by any short term health insurance you plan to buy for the inclusion of doctors that are important to you.

Do I need to select a Primary Care Provider (PCP)?

While some plans may require you to select a PCP as your main point of contact for your health care management, temporary health insurance plans often give you the flexibility to see any qualified health care provider you choose.

Do I need a referral from my PCP to see a specialist?

Referrals are not required to see a specialist with most Short Term Medical plans. You can see any specialist you wish.

Do Short Term plans meet federal requirements of the Affordable Care Act (ACA)?

No. Short Term health insurance plans do not meet the minimum essential coverage requirements under the Affordable Care Act (ACA), also known as Obamacare. They are designed solely to provide temporary health care insurance during unexpected coverage gaps.

Can I get a tax subsidy to help pay for my Short Term health insurance?

No. Short Term plans do not qualify for tax subsidies under the ACA. Generally speaking, temporary health insurance costs less than ACA health plans, so the option may still make sense for your situation.

Is Short Term medical insurance limited to annual enrollment periods?

No. Short Term insurance plans have no such restrictions and are available year-round. There’s no need to wait for Open Enrollment to apply.

Are there multiple plan choices and price ranges available with Temporary health insurance plans?

Most often, the answer is yes. Most short term plan companies offer multiple plans and deductible choices to meet a range of budgets and needs. As always, check the plan you are considering carefully.

Do Short Term health insurance plans have high deductibles?

Short Term Medical plans offer deductible options starting at $1,000 to meet your needs.

What if I don’t need my temporary insurance coverage for as long as I had planned?

Short Term health insurance plans can be cancelled at any time without penalty.

Can I renew this type of health insurance coverage?

No. Short Term coverage is limited to the duration selected; therefore, it is non-renewable.

At this time, the maximum period to have guaranteed short term coverage is 12 months. However, durations may vary by state.

If I’m looking for the best Short Term health insurance price, do I have options to help me reduce my premium payments?

Yes. Choosing a plan with fewer benefits, or a higher deductible, or a single up-front payment option are all effective ways to potentially reduce your premiums.

Can I pair other plans with a Temporary health insurance plan?

Yes. Short Term is often combined with other supplemental health insurance plans to help round out coverage.

Dental, Vision, Accident and Critical Illness plans are commonly paired with Short Term medical insurance plans.

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 , as of May 2018.  Aetna, Cigna, Humana, Coventry and Unitedhealthcare ARE NOT offering ACA major medical compliant plans in Florida.

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. This Aetna Network is one of the strongest nationwide.

Click this link: Short Term Health Insurance is a major medical insurance alternative to the Affordable Care Act (Obamacare). Whether you need coverage during a transition or gap between insurance or if you are looking for a solution outside of Obamacare, Short Term Health Insurance offers an affordable and flexible option.

Consider Short Term if you’re: Between jobs; Waiting for other coverage to begin; Waiting to be eligible for Medicare coverage; without health insurance, outside of Open Enrollment. For these situations and more where you are stuck in a coverage gap, finding the best short term health insurance plan you can may be just the right solution for you.

 

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. This Aetna Network is one of the strongest nationwide.

Click HERE:  for quotes and to apply. (This is not mobile or google chrome compatible).

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).

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.

Brochure: https://ngah-ngic.com/NGAH-STMASSOCIATIONBRO.11.16.17.pdf

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.

Sincerely,

Neil Primack

561-935-3907

neil@floridahealthinsurancebroker.com