Short Term Medical Insurance
Orlando | Sarasota | West Palm Beach
Short term medical insurance is used to cover a lapse in coverage. These plans used to last no longer than three months, but changes in federal regulations mean that they can now last up to a year. In Florida, some short term health plans can be renewed for up to three years.
These health insurance plans may be a good choice for you if you are a recent college graduate, are between jobs, or are waiting for group coverage provided by your employer to start. We offer short term plans from some of the nation’s leading health insurance providers, and many of them cost less than traditional health insurance.
Short Term Health Insurance and Pre-existing Conditions
Short term health plans in Florida that last for less than six months do not usually cover pre-existing conditions. This means that they may not be a good choice for you if have been diagnosed with a condition that requires costly treatment.
However, if the Florida plan you choose is renewable or lasts for longer than six months, any condition that you were diagnosed with more than two years ago may be covered. If you have had continuous health coverage for the last two years and choose a longer or renewable plan, there will be no pre-existing condition exclusions at all.
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What does Short Term Health Insurance Cover?
This kind of health insurance provides peace of mind because it covers the costs of emergency care. This means that your doctor and hospital bills will be covered if you are involved in an accident or suffer some kind of medical emergency.
While short term health plans do not generally have as many benefits as major medical insurance, they offer lower premiums and may be smart choice for you if you do not visit doctors frequently or take expensive prescription drugs. When you choose one of these plans, renewal is not usually guaranteed. This means that you may not be able to renew your short term health plan if you are diagnosed with a serious medical condition while you are on it.
HIPPA and COBRA Plans
Buying a short term health plan could make you ineligible for health plans covered by federal laws usually referred to as HIPPA (Health Insurance Portability and Accountability Act) and COBRA. HIPPA plans guarantee coverage to people with serious medical problems who would have trouble finding insurance, and COBRA plans extend coverage for people who have recently lost access to group insurance plans.
Speak With a Short Term Medical Insurance Specialist
The health insurance specialists at Signature Insurance Group can answer your questions about short term health plans and help you to choose coverage that is right for you. We offer short term plans from some of the biggest names in the health insurance industry, and the recommendations we make are based on what works best for our clients rather than what works best for insurance companies.
Short Term Medical Insurance in Longwood FL, Melbourne FL and Venice FL
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