<p style="text-align: justify;">Americans spend about <a href="https://www.debt.org/medical/#:~:text=Medical%20Debt%20%26%20Costs&;text=However%2C%20Americans%20spent%20%243.3%20trillion,of%20the%20gross%20domestic%20product." target="_blank" rel="noopener">$10,348 per person</a> a year on healthcare. That&#8217;s double what people pay in other countries of the world.</p>
<p style="text-align: justify;">It&#8217;s no wonder that medical expenses are one of the main reasons that Americans have debt. In fact, two-thirds of people who file for bankruptcy do it because of medical bills.</p>
<p style="text-align: justify;">That&#8217;s one of the reasons why health insurance is vital. Even if you are between jobs or waiting for permanent benefits to kick in.</p>
<p style="text-align: justify;">A short term <a href="https://newsforpublic.com/health-plan-coronavirus-protection/">health insurance plan</a> will protect you and your family now. Read on to learn what you need to know to choose the right plan.</p>
<h2>What Is Short Term Health Insurance?</h2>
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<p style="text-align: justify;">Short term health insurance is also called temporary health insurance. These plans give coverage to those who don&#8217;t have coverage for various reasons.</p>
<p style="text-align: justify;">In essence, traditional health insurance plans and short term ones serve the same function. They offset your out-of-pocket healthcare expenses.</p>
<p style="text-align: justify;">Yet, these types of plans are designed differently.</p>
<p style="text-align: justify;">Short term health insurance plan has a very specific coverage duration. It might range from 30 days to 364 days. It depends on what state you live in as well as what policy you choose.</p>
<p style="text-align: justify;">Short term plans have a limited scope of coverage. Each provider is different so it&#8217;s important to read the fine print. These plans are designed to cover emergency illness and injuries.</p>
<p style="text-align: justify;">With short term plans, you can be denied based on your health history. Also, most plans do not cover pre-existing conditions. Even if you didn&#8217;t know about a condition, you won&#8217;t get coverage if it appears that the condition was pre-existing.</p>
<p style="text-align: justify;">Short term plans don&#8217;t qualify for ACA subsidies. Yet, they are generally less expensive than unsubsidized ACA plans.</p>
<p style="text-align: justify;">Short term plans are also known for their flexibility. You can have a policy for as little as 30 days. Often, these policies are network-free so you can see whichever healthcare provider you prefer.</p>
<h2>Who Needs Temporary Health Insurance Plans?</h2>
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<p style="text-align: justify;">Short term medical insurance isn&#8217;t a guaranteed issue and offers fewer benefits. So why would anyone choose to pay for it?</p>
<p style="text-align: justify;">People may opt for a temporary plan if they need coverage and are outside of open enrollment. It is also useful when a person is in between jobs. Or while you are waiting for your permanent benefits to kick in.</p>
<p style="text-align: justify;">Basically, people choose short-term medical plans when they are uninsured and need affordable coverage. According to a recent health survey, <a href="https://www.businesswire.com/news/home/20200430005251/en/Pivot-Health-Survey-Finds-Short-Term-Health-Insurance" target="_blank" rel="noopener">26% of short-term coverage</a> customers were long-time uninsured. Another 29% had recently lost their insurance due to unemployment.</p>
<p style="text-align: justify;">Buying short term health insurance may help people during a time of transition. Others simply prefer to continually have short term plans.</p>
<p style="text-align: justify;">Now, let&#8217;s examine the most important considerations when choosing a policy.</p>
<h2>What to Look for in a Short Term Health Insurance Plan</h2>
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<p style="text-align: justify;">There are so many short term health insurance plans out there. It can be tricky to find the right one for your needs.</p>
<p style="text-align: justify;">Here are a few of the top factors to keep in mind as you shop.</p>
<h3 style="text-align: justify;">Reputable Provider</h3>
<p style="text-align: justify;">Choosing a reputable insurance provider is a smart choice. Long-standing, trustworthy providers come with a large network of doctors and hospitals.</p>
<p style="text-align: justify;">Sometimes, that means you get network discounts. When you do, that lowers the cost to you.</p>
<p style="text-align: justify;">Well-established insurers usually have better rates than insurers with a small network of providers.</p>
<h3 style="text-align: justify;">Flexibility</h3>
<p style="text-align: justify;">By their very nature, temporary health insurance plans tend to be flexible. Yet, it&#8217;s still wise to look at the deductible options and coverage lengths.</p>
<p style="text-align: justify;">Usually, a higher deductible means a lower premium.</p>
<p style="text-align: justify;">You should also find out if you can cancel your plan without penalties. Your situation might change and you don&#8217;t want to be stuck with a plan you no longer need.</p>
<h3 style="text-align: justify;">Look For Your Preferred Providers</h3>
<p style="text-align: justify;">Many people prefer to see their own family doctor. Especially if you have years of history and records with that person.</p>
<p style="text-align: justify;">If seeing your doctor is important to you, be sure that the clinic accepts the short-term plan you pick.</p>
<h3>Read the Fine Print</h3>
<p style="text-align: justify;">Also, be sure to read all the fine print. You want to know exactly what the plan does and doesn&#8217;t cover. Be sure to check the dollar cap on coverage. This lifetime benefit maximum is vital information for you to have.</p>
<p style="text-align: justify;">Unfortunately, short term plans have more wiggle room to exclude conditions that would be illegal under the ACA.</p>
<p style="text-align: justify;">Companies and brokers are highly motivated to sell these plans because there is usually a bigger commission payout attached.</p>
<p style="text-align: justify;">Be wary of intense selling techniques when you are comparing brief health insurance plans.</p>
<h2>Things to Avoid in Brief Health Insurance Plans</h2>
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<p style="text-align: justify;">Now that you know what to look for when shopping for coverage, let&#8217;s look at what to avoid.</p>
<p style="text-align: justify;">When shopping around, be wary of fixed indemnity plans. These are ones that pay you a set amount for each covered service.</p>
<p style="text-align: justify;">These plans don&#8217;t have a deductible so it sounds like a great idea. But, the things it covers can be very limited. Also, there is no catastrophic cap.</p>
<p style="text-align: justify;">Worse still, the fixed amount they offer will not cover the cost of serious health issues.</p>
<p style="text-align: justify;">Stay away from mini-med plans if you can. These offer very limited protection with extravagant deductibles. The premiums are low but the deductibles can cost you thousands of dollars.</p>
<p style="text-align: justify;">Be sure to think about the worst-case scenario as you compare coverage between different policies.</p>
<h2>Choosing Temporary Health Insurance Plans</h2>
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<p style="text-align: justify;">Choosing a short term health insurance plan can be tricky. Remember to ask questions, compare coverage and read the fine print.</p>
<p style="text-align: justify;">Now, check out our other blog posts for the latest news and tips on business, lifestyle, health, and more.</p>

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