Oregon Short Term Health Insurance
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Short term health insurance is typically half the cost of an ACA health plan. If you qualify you may be able to save thousands of dollars in monthly premium with a short term medical insurance plan.
Short Term Health Insurance provides very similar coverage to pre-ACA health insurance. It’s inexpensive, pays for claims, and is probably more like the health insurance you are used to if you qualify for it (most people do)
Call Portland Benefits Group at 503-828-1970 for assistance selecting a health insurance policy. Some people are better off on an ACA plan. Some are better off on Short Term Health Insurance. If you don’t know, we’ll help you understand the true costs of your options so you can decide.
While there are many short term medical providers in the state, we focus on the top providers who we feel cover our client’s needs. Many new carriers are added frequently and other options may be available for those seeking short term coverage. Call and speak to a professionally licensed agent today to find out more information on your plan choices.
What is short-term medical insurance?
Short-term medical insurance offers a solution to individuals in need of temporary medical coverage. This short-term medical insurance policy protects against unforeseen accidents and sicknesses, appropriate for individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage. Coverage is available for periods of up to 6 or 11 months (varies by state).
How soon can I start my coverage?
Your coverage can start as soon as tomorrow! If you submit your application and credit card payment today by Internet, fax or e-mail, coverage will begin tomorrow. Otherwise, your coverage will begin on the day following the date we receive your completed application and payment or on the date you requested on the application, whichever is later.
Does short-term medical insurance meet the requirements of the Affordable Care Act?
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances, penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.
What if I need more time later? or What if I need coverage for the entire year?
Coverage periods of 6 or 11 months are available, depending on the state in which you will hold coverage. However, if you require more time, you may purchase a new policy as long as you have not held two previous policies in the same 12 month period! Coverage is not renewable; therefore, any subsequent policy will be treated as new and will be subject to the same preexisting condition provision and other limitations. Availability of re-purchase may vary in some states.
What is co-insurance?
Co-insurance is the part of the medical expenses you pay for after you pay the deductible. The remaining amount is covered by the policy. This policy gives you two options: 80/20, where underwriters pay 80% of eligible expenses (after deductible) and you pay 20% of the eligible expenses, or 50/50, where eligible expenses are equally split after your fulfillment of the deductible.
National General Short Term Medical
National General NHIC short term health insurance
Life is unpredictable, short term medical coverage through National General grants you the flexibility and control that families can be better prepared to face the unexpected with confidence. Short Term Medical plans provide you with the financial protection you need while dealing with life’s curveballs. Unforeseen medical bills or health issues do not need to leave your family’s finances in disarray.
National general is partnered through the AETNA provider and grants a very large area of network coverages. Since the plans also are available in a PPO option, this means that even out of state you will be protected by one of the nations largest provider networks.
Pivot Short Term Medical
Short Term Health Insurance
There are many reasons why a short term health insurance product is an excellent choice for individuals looking for temporary coverage or an affordable alternative to the insurance marketplace.
We all have circumstances throughout our life that cause us to need different types of insurance from time to time. You want options that fit your situation and your budget during those times when group plans are not an option and the marketplace is not within your budget.
IHC Short Term Medical
Short Term Health Insurance
Short term medical insurance is a perfect solution for individuals needing insurance temporarily, whether they are uninsured, unemployed, self-employed or just need an affordable insurance product. Compare plans and pricing, and find the best plan option that fits your monthly budget.
Independence Holding Company (IHC), formed in 1980, is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products,including disability, supplemental health, group life, and pet insurance through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to as “The IHC Group”).
Short Term Medical Insurance Basics:
- 50% less expensive than Major Medical, making it easier to afford coverage
- Doctors Visits & Urgent Care with $50 Copays
- Instant Approval with a 5-7 Question Online Application
- Immediate access to download & print ID cards and plan documents for most plans
- Plans Backed by Best-in-class ‘A’ Rated Carriers
- Covered benefits are paid the same way whether in or outside the broad and highly accessible provider network