Temporary Health Insurance
Temporary health insurance can help bridge a gap in your health insurance coverage. While this plan isn’t a permanent solution and shouldn’t be viewed as the same type of coverage a traditional health insurance plan may offer, it can come in handy as a last-minute coverage option. Our agents can help you determine if this coverage is suitable for your needs.
What Does Temporary Health Insurance Cover?
Temporary health insurance has limited coverage compared to a traditional health insurance policy. It is designed to help provide coverage if you’re in a transitionary period of your life (e.g., lost employer-sponsored health insurance, turning 26 and getting off your parents’ plan or missed open enrollment).
Temporary health insurance plans are not guarantee-issued, often do not cover pre-existing conditions, and are not comprehensive plans, meaning they are not required to cover the Affordable Care Act’s 10 essential benefits. Not every temporary health insurance plan is the same so coverage will vary. Connect with an agent to determine what your health insurance would look like.
How Does Temporary Health Insurance Work?
Temporary health insurance can be purchased for up to 364 days, with the ability to reapply for coverage for up to 36 months, depending on where you live. Most plans can be canceled at any time without a penalty during any time of your coverage term. How your policy works will vary depending on where you live and your policy, so be sure to reach out to an agent to confirm the details of your coverage.
How to Get Temporary Health Insurance
Temporary health insurance is useful in specific circumstances. If you think you need this interim policy, contact Elite Insurance Group today to get started.