Individual Short-Term and Temporary Health Insurance
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Recently Unemployed?
Consider your options for temporary health insurance coverage while between jobs. One choice is to remain insured on your former employer’s group health plan via the COBRA law. This can be a smart choice if you require treatment or medication for pre-existing conditions and seek to roll over your deductible or access the same medical providers.
Another option is to consider “gap health insurance,” which is often used by those who experience job loss. These types of short-term or temporary health insurance plans offer coverage for new illnesses and unexpected accidents.
COBRA or Short-Term Medical?
The advantages of a short-term health plan over COBRA are affordability amongst other benefits.
Additional Alternatives to COBRA
Is short-term or gap health insurance not available in your state? Are you exploring more affordable alternatives to COBRA? Be sure to factor the following into your search:
- Medicaid and government assistance: These low- to no-cost plans extend coverage to individuals living on a low- or very-low income. Eligibility varies based by state, with factors including family size and income. Your dependents may additionally qualify for the Children’s Health Insurance Program (CHIP) if you fall above your state’s Medicaid threshold.
- Marketplace Insurance: Affordable Care Act (ACA) plans, also known as Obamacare, have exploded in popularity due to the availability of government subsidies and limited restrictions based on age, gender, health and existing conditions.
Choosing An Alternative to COBRA
COBRA insurance is expensive. Instead of continuing their recent employer’s group health 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. This is ideal if you recently quit or resigned to begin a new position and are waiting for your new coverage to kick in.
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.
Private Coverage, Month-to-Month
These term health plans can provide one month or up to a year of medical insurance coverage, often beginning the next day. These plans are an affordable alternative to employer COBRA continuation.
Short-Term Medical Plan
Flex Term Health Insurance covers unexpected injuries and new illnesses to protect you from costly medical bills.
The pricing for the plans starts at $85/ mo
Based on age and state availability
Key Benefits
- Temporary Health Coverage: This plan provides short-term insurance during transitions, like between jobs or while waiting for other coverage, with terms from one month to a year.
- Flexible Plan Options: Choose from various options with different deductibles and coverage limits to meet immediate needs.
- Coverage Gaps: While offering protection for unexpected medical events, short-term plans may exclude pre-existing conditions, have higher out-of-pocket costs, and offer limited benefits compared to long-term insurance.
Accident Only Coverage
Plans start at $44/month.
Based on age and state availability
Includes Telehealth giving you access to prescribing doctors for common issues.
Key Benefits
- Accident-Focused Protection: This plan provides essential financial assistance for medical expenses caused by accidental injuries. It includes coverage for emergency treatment, hospitalization, and follow-up care, ensuring you have access to necessary medical support when an accident occurs.
- Supplemental Coverage: Designed to work alongside your existing health insurance, this accident-only plan offers additional support for unexpected injuries. However, it does not cover illnesses or routine medical care.
- Limited Scope of Benefits: Coverage under this plan is strictly limited to accidents, excluding expenses related to illnesses, pre-existing conditions, or non-accidental injuries. For complete protection, consider pairing it with broader health insurance.
Limited Indemnity Plan
Plans start at $44/month.
Based on age and state availability
Includes Telehealth giving you access to prescribing doctors for common issues.
Key Benefits
- Core Health Benefits: This plan offers limited indemnity coverage that pays a set amount per day or per service for specified medical expenses, such as hospital stays and doctor visits, helping to reduce out-of-pocket costs for routine healthcare needs.
- Fixed Payout Structure: The coverage provides predetermined payouts for covered services, which means the plan pays a fixed amount regardless of the actual costs incurred, making it a budget-friendly option for managing basic medical expenses.
- Coverage Limitations: While providing essential coverage for routine and preventive care, this plan does not cover major medical expenses or catastrophic events, and the benefits are capped, limiting the total amount the policy will pay.
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
Ameritas Private Dental Plans
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 leading vision insurance company in the United States. Its network of over 44,000 independent and retail in-network providers includes thousands of national retail providers like LensCrafters, Pearle Vision, Sears Optical, and Target Optical. This gives EyeMed members access to a wide range of vision care services at affordable prices.
Telehealth
Teladoc is a Telehealth service that offers round-the-clock access to a network of U.S. Board Certified doctors for diagnosis, treatment recommendations, and prescription refills for common health concerns.Â
About COBRAinsurance.com
SASid, Inc., an Acrisure Partner Company, operates COBRAinsurance.com to help individuals navigate health insurance options during life transitions. With over 4 million people served in 20 years, SASid leverages innovative technology to simplify insurance enrollment and management. Plans are managed by InsuranceTPA.com.
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Accident Only plans start at $44*
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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.
