1. What is Short Term Medical? +
Short Term Medical is a temporary health insurance plan designed to help individuals who need coverage for a limited period, such as during a job change, while waiting for another plan to begin, or in other transitional situations.
2. Is Short Term Medical the same as Obamacare? +
No. Short Term Medical follows different rules than plans compliant with the Affordable Care Act (ACA), known as Obamacare. Therefore, benefits, eligibility, and coverage may vary depending on the chosen plan, with several restrictions compared to Obamacare.
3. Does Short Term Medical cover emergencies? +
Yes. The plans include coverage for eligible medical emergencies and hospitalizations. Coverage is subject to the terms of the policy, and there may be limitations for expenses related to pre-existing conditions. Our team can help you understand the details before enrollment.
4. Does Short Term Medical cover medications? +
Yes. The plans offer coverage for prescription drugs related to treatments and conditions covered by the plan. Coverage may vary depending on the medication and the chosen plan. Maintenance medications or those related to pre-existing conditions may not be covered.
5. Does Short Term Medical have a network of doctors and hospitals? +
Most Short Term plans offer access to a network of doctors, hospitals, clinics, and urgent care centers. Available options vary by insurance provider, the contracted plan, and the insured’s location. Our team can help you verify the available network before enrollment.
6. Can the insurance company deny my application? +
Some Short Term Medical plans include an eligibility review during the application process. This means the insurance company may ask questions about your medical history. Approval criteria vary according to the insurer and the chosen plan.
7. Does Short Term Medical cover pre-existing conditions? +
Short Term Medical plans generally do not offer coverage for expenses related to pre-existing conditions. If you have a medical condition under treatment or monitoring, our team can help evaluate other coverage options.
8. Does Short Term Medical cover pregnancy? +
Short Term Medical plans were not designed to provide comprehensive maternity coverage. In general, expenses related to a pregnancy already existing on the coverage start date are not eligible for plan benefits.
9. Does Short Term Medical cover preventive exams? +
Some plans include specific preventive benefits, but with a predefined coverage limit and typically only after the insured meets the deductible. Preventive coverage may differ from that offered by ACA-compliant plans. Therefore, it is important to verify the available benefits before enrollment.
10. Does Short Term Medical cover mental health? +
Some plans offer benefits related to mental health and substance abuse, depending on the contracted plan and applicable rules.
11. How long does a Short Term Medical plan last? +
The available duration may vary by state and the chosen plan. In many cases, there are coverage options ranging from 1 month to longer periods permitted by local legislation.
12. Why does Short Term Medical usually have more affordable monthly premiums? +
Short Term Medical was developed to meet temporary coverage needs. Because it has different characteristics than ACA-compliant plans and more restrictions and limitations, it can offer options with more affordable monthly premiums for certain situations.
13. Can I apply for Short Term Medical at any time? +
Yes. Unlike Marketplace plans, it is normally not necessary to wait for a specific enrollment period to request coverage.
14. Is Short Term Medical a good option for immigrants? +
It can be an alternative for immigrants who need temporary medical coverage in the United States and who do not have pre-existing conditions or require coverage for pregnancy and childbirth. The best option depends on each person’s situation, length of stay in the country, and eligibility for other types of plans. Our team can help you verify if this is the best option for you and your family.
