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TEMPORARY HEALTH INSURANCE
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Do You Need Health Insurance After Becoming Recently Unemployed?
You may remain insured on your former employer’s group health plan via the COBRA law. It’s the smart choice if you need treatment or medication for pre-existing conditions.
Many people who suffer a job loss will use “gap health insurance”. These types of plans provide coverage for new illnesses and unexpected accidents.
Short-Term Medical Insurance As An Alternative to COBRA
COBRA insurance is expensive. Instead of continuing on work insurance, many people will use a temporary health plan as an alternative way to cover an insurance gap until their next major medical coverage begins.
The cost of temporary medical insurance is determined by your age and the state in which you reside. Because they do not cover pre-existing conditions, these policies are not available in all states.
Many states require you to join a professional organization to acquire term health insurance. The example types of coverage below will auto-enroll you into a professional organization if it applies to where you live.
These plans are available for one month to one year. Coverage may begin as early as tomorrow.
Short Term Medical Insurance
New Illnesses & Injury Coverage
Plans begin at $80/month.
Based on age and state availability
The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness. Read more about Flex Term.
Accident Only Insurance with Telehealth
Plans start at $44/month.
Based on age and state availability
Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.
Includes Telehealth giving you access to prescribing doctors for common issues.
Limited Indemnity with Telehealth
Includes Telehealth giving you access to prescribing doctors for common issues.
Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.
Other Medical Coverage
Major medical and short-term plans often won’t include other health benefits. Many individuals and families will need to look for private dental and vision insurance outside of their existing plan.
Dental Insurance
Plans start at less that $1/day.
Based state availability
The Core Dental Insurance plans can provide coverage for preventive, basic and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards® and more.
Core Dental Insurance is a private Ameritas Dental Plan.
Vision Plans
Plans start at $5/month.
Based state availability
EyeMed is the leader when it comes to vision insurance. EyeMed Advantage Network is made up of over 44,000 independent and retail in-network provider access points including 1000’s of national retail providers like LensCrafters, Pearle Vision, Sears Optical and Target Optical.
EyeMed Vision Insurance is smart to have.
Telehealth
Call 877-262-7241 and get 2 months free or sign up here.
About COBRAinsurance.com
The COBRA Insurance Website is owned by Smart and Simple Insurance Development and powered by SASid’s insurance technology. Policies are administrated by InsuranceTPA.com. We are a nationally licensed and recognized health insurance agency looking to sincerely help people access and understand insurance. Over the past 20 years, over 4 million people have obtained insurance through SASid, Inc technologies.
COBRA Is A Major Medical Plan
When you sign up for COBRA, you are keeping the same work health insurance you had when you were employed. It’s great for those with preexisting conditions or see a doctor regularly.
After you make your first premium payment, your insurance restarts and what you’ve paid in for deductibles picks up where they left off.
Employer-sponsored health insurance is required to be a comprehensive plan.
These are major medical plans that cover:
- Surgeries
- Preventative Care
- Pre-Existing Conditions
- Typically, Prescription Drugs
New Major Medical
As you’ve had a qualifying event to obtain new health coverage, you may look for a new permanent comprehensive health plan through the healthcare marketplace.
Temporary Health Insurance Solutions
If COBRA coverage is unavailable or if you simply can not afford it, you can get alternative health coverage for new illnesses or injuries.
Many people will enroll in Short-Term Medical insurance or an Accident Only plan to “get by” until their next major medical insurance starts. This type of insurance is also known as “gap insurance”.
These plans are not for everyone, but may be a good choice for you if:
- You have no pre-existing conditions.
- Want to stay insured at a lower cost.
- You are not pregnant or plan on becoming pregnant soon.
- Have had no recent health problems.
- Have not received any advice from medical professionals advising you to undergo a medical procedure in the future.
- When you need health insurance and it’s not yet a federal open enrollment period to enroll in a qualified health plan.
COBRA or Short-Term Medical?
The advantages of a Short Term Health plan over COBRA are affordability amongst other benefits.
Remain Insured
Accident Only plans start at $44*
with coverage starting tomorrow!
Call us
877-262-7241
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View Plans
Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.
*Eligibility for short term medical insurance is based on age and state availability.
