Tampa Florida Short Term Health Insurance

Tampa Short Term Health Insurance

If you live in Tampa, Florida and are temporarily without medical insurance coverage, you may have been advised to take out short term health insurance. If this idea is new to you, you will no doubt be asking: What is short term health insurance in Tampa, Florida? You need to understand the advantages and limitations of this type of coverage, in order to decide whether it is right for you.

Short term health insurance in Tampa, Florida is a particular type of coverage designed to tide you over during a brief gap in your normal medical coverage. In Florida it is officially known as Short Term Major Medical Insurance with Limited Benefits. Policies are usually issued for 6-12 months, although the period can be as short as 30 days or as long as three years, depending on the insurer. It operates in a similar way to ordinary medical insurance, with an insurance card and deductibles, but there are some major differences in coverage.

If you are looking into the question: What is short term health insurance in Tampa, Florida? You will want to understand why anyone would need this type of coverage. There are actually a number of reasons why you may be temporarily without medical insurance. One of the most common situations occurs when you have recently been taken on by a new employer, but have to wait for anything between 30 and 90 days before you can be added to the company’s group plan. Another possible reason may be that you have reached the cut-off age on your parents’ plan, but are waiting to enroll as a full-time student or find employment. You may simply be unemployed — perhaps you have recently been laid off and are looking for a job.

In many of these situations, you would actually be eligible for COBRA insurance. This is a provision under the Consolidated Omnibus Budget Reconciliation Act of 1986, whereby a previous employer with 20 or more employees is obliged to offer you the option of an 18-month extension of your coverage. However, this can be extremely expensive, and if you are a student or unemployed you may not be able to afford it. Short term health insurance in Tampa, Florida could be an affordable alternative.

Short term or temporary health insurance operates as an indemnity plan, so that you are free to go to the health care provider of your choice. However, most policies require you to obtain pre-certification from the insurer before being hospitalized. In addition, most work on a stepped deductible principle, by which you pay 100 percent of the deductible up to a certain level of the claim amount, then 50 percent up to a further level, after which the insurer pays the full amount, up to the plan maximum.

The main limitation of short term health insurance in Tampa, Florida is that it does not cover pre-existing medical conditions — that is, conditions reported within the 36 months before the policy was issued. This is because, in general, short term policies are exempt from HIPAA, the 1996 Health Insurance Portability and Accountability Act. This, among other provisions, prevents group health care plans from denying coverage to applicants who have pre-existing conditions, but does not apply to short term plans.

However, some states have legislation which provides slightly more generous conditions. Short term health insurance in Tampa, Florida is covered by Florida Statute 627.6045, if the policy is issued for more than six months. Under this statute, the period of exclusion is only 24 months, not 36, and the exclusion only applies to conditions arising within this period which would normally cause people to seek treatment. In fact, this could even apply to policies issued for six months or less, if the terms were not clearly stated to the applicant.

In addition, most short term insurance policies exclude many types of preventive and elective care, including physical examinations. However, short term health insurance in Tampa, Florida includes many benefits that are specific to Florida. These include mammograms for over-35s, diabetes supplies, osteoporosis treatment, and dental anesthesia.

When you are temporarily uninsured and in good health, you may be tempted to continue without insurance coverage for a time. However, illness or accident could strike at any time, and even a visit to the emergency room can cost hundreds of dollars, before you even have any treatment. Short term health insurance in Tampa, Florida can cost only a few dollars a day, and will save you from finding yourself on your own with a huge bill to pay.

Orlando Florida Short Term Health Insurance

Orlando Short Term Health Insurance

If you live in Orlando, Florida and are temporarily without medical insurance coverage, you may have been advised to take out short term health insurance. If this idea is new to you, you will no doubt be asking: What is short term health insurance in Orlando, Florida? You need to understand the advantages and limitations of this type of coverage, in order to decide whether it is right for you.

Short term health insurance in Orlando, Florida is a particular type of coverage designed to tide you over during a brief gap in your normal medical coverage. In Florida it is officially known as Short Term Major Medical Insurance with Limited Benefits. Policies are usually issued for 6-12 months, although the period can be as short as 30 days or as long as three years, depending on the insurer. It operates in a similar way to ordinary medical insurance, with an insurance card and deductibles, but there are some major differences in coverage.

If you are looking into the question: What is short term health insurance in Orlando, Florida? You will want to understand why anyone would need this type of coverage. There are actually a number of reasons why you may be temporarily without medical insurance. One of the most common situations occurs when you have recently been taken on by a new employer, but have to wait for anything between 30 and 90 days before you can be added to the company’s group plan. Another possible reason may be that you have reached the cut-off age on your parents’ plan, but are waiting to enroll as a full-time student or find employment. You may simply be unemployed — perhaps you have recently been laid off and are looking for a job.

In many of these situations, you would actually be eligible for COBRA insurance. This is a provision under the Consolidated Omnibus Budget Reconciliation Act of 1986, whereby a previous employer with 20 or more employees is obliged to offer you the option of an 18-month extension of your coverage. However, this can be extremely expensive, and if you are a student or unemployed you may not be able to afford it. Short term health insurance in Orlando, Florida could be an affordable alternative.

Short term or temporary health insurance operates as an indemnity plan, so that you are free to go to the health care provider of your choice. However, most policies require you to obtain pre-certification from the insurer before being hospitalized. In addition, most work on a stepped deductible principle, by which you pay 100 percent of the deductible up to a certain level of the claim amount, then 50 percent up to a further level, after which the insurer pays the full amount, up to the plan maximum.

The main limitation of short term health insurance in Orlando, Florida is that it does not cover pre-existing medical conditions — that is, conditions reported within the 36 months before the policy was issued. This is because, in general, short term policies are exempt from HIPAA, the 1996 Health Insurance Portability and Accountability Act. This, among other provisions, prevents group health care plans from denying coverage to applicants who have pre-existing conditions, but does not apply to short term plans.

However, some states have legislation which provides slightly more generous conditions. Short term health insurance in Orlando, Florida is covered by Florida Statute 627.6045, if the policy is issued for more than six months. Under this statute, the period of exclusion is only 24 months, not 36, and the exclusion only applies to conditions arising within this period which would normally cause people to seek treatment. In fact, this could even apply to policies issued for six months or less, if the terms were not clearly stated to the applicant.

In addition, most short term insurance policies exclude many types of preventive and elective care, including physical examinations. However, short term health insurance in Orlando, Florida includes many benefits that are specific to Florida. These include mammograms for over-35s, diabetes supplies, osteoporosis treatment, and dental anesthesia.

When you are temporarily uninsured and in good health, you may be tempted to continue without insurance coverage for a time. However, illness or accident could strike at any time, and even a visit to the emergency room can cost hundreds of dollars, before you even have any treatment. Short term health insurance in Orlando, Florida can cost only a few dollars a day, and will save you from finding yourself on your own with a huge bill to pay.

Miami Florida Short Term Health Insurance

Miami Short Term Health InsuranceIf you live in Miami, Florida and are temporarily without medical insurance coverage, you may have been advised to take out short term health insurance. If this idea is new to you, you will no doubt be asking: What is short term health insurance in Miami, Florida? You need to understand the advantages and limitations of this type of coverage, in order to decide whether it is right for you.

Short term health insurance in Miami, Florida is a particular type of coverage designed to tide you over during a brief gap in your normal medical coverage. In Florida it is officially known as Short Term Major Medical Insurance with Limited Benefits. Policies are usually issued for 6-12 months, although the period can be as short as 30 days or as long as three years, depending on the insurer. It operates in a similar way to ordinary medical insurance, with an insurance card and deductibles, but there are some major differences in coverage.

If you are looking into the question: What is short term health insurance in Miami, Florida? You will want to understand why anyone would need this type of coverage. There are actually a number of reasons why you may be temporarily without medical insurance. One of the most common situations occurs when you have recently been taken on by a new employer, but have to wait for anything between 30 and 90 days before you can be added to the company’s group plan. Another possible reason may be that you have reached the cut-off age on your parents’ plan, but are waiting to enroll as a full-time student or find employment. You may simply be unemployed — perhaps you have recently been laid off and are looking for a job.

In many of these situations, you would actually be eligible for COBRA insurance. This is a provision under the Consolidated Omnibus Budget Reconciliation Act of 1986, whereby a previous employer with 20 or more employees is obliged to offer you the option of an 18-month extension of your coverage. However, this can be extremely expensive, and if you are a student or unemployed you may not be able to afford it. Short term health insurance in Miami, Florida could be an affordable alternative.

Short term or temporary health insurance operates as an indemnity plan, so that you are free to go to the health care provider of your choice. However, most policies require you to obtain pre-certification from the insurer before being hospitalized. In addition, most work on a stepped deductible principle, by which you pay 100 percent of the deductible up to a certain level of the claim amount, then 50 percent up to a further level, after which the insurer pays the full amount, up to the plan maximum.

The main limitation of short term health insurance in Miami, Florida is that it does not cover pre-existing medical conditions — that is, conditions reported within the 36 months before the policy was issued. This is because, in general, short term policies are exempt from HIPAA, the 1996 Health Insurance Portability and Accountability Act. This, among other provisions, prevents group health care plans from denying coverage to applicants who have pre-existing conditions, but does not apply to short term plans.

However, some states have legislation which provides slightly more generous conditions. Short term health insurance in Miami, Florida is covered by Florida Statute 627.6045, if the policy is issued for more than six months. Under this statute, the period of exclusion is only 24 months, not 36, and the exclusion only applies to conditions arising within this period which would normally cause people to seek treatment. In fact, this could even apply to policies issued for six months or less, if the terms were not clearly stated to the applicant.

In addition, most short term insurance policies exclude many types of preventive and elective care, including physical examinations. However, short term health insurance in Miami, Florida includes many benefits that are specific to Florida. These include mammograms for over-35s, diabetes supplies, osteoporosis treatment, and dental anesthesia.

When you are temporarily uninsured and in good health, you may be tempted to continue without insurance coverage for a time. However, illness or accident could strike at any time, and even a visit to the emergency room can cost hundreds of dollars, before you even have any treatment. Short term health insurance in Miami, Florida can cost only a few dollars a day, and will save you from finding yourself on your own with a huge bill to pay.

Daytona Beach Florida Short Term Health Insurance

Daytona Beach

If you live in Daytona Beach, Florida and are temporarily without medical insurance coverage, you may have been advised to take out short term health insurance. If this idea is new to you, you will no doubt be asking: What is short term health insurance in Daytona Beach, Florida? You need to understand the advantages and limitations of this type of coverage, in order to decide whether it is right for you.

Short term health insurance in Daytona Beach, Florida is a particular type of coverage designed to tide you over during a brief gap in your normal medical coverage. In Florida it is officially known as Short Term Major Medical Insurance with Limited Benefits. Policies are usually issued for 6-12 months, although the period can be as short as 30 days or as long as three years, depending on the insurer. It operates in a similar way to ordinary medical insurance, with an insurance card and deductibles, but there are some major differences in coverage.

If you are looking into the question: What is short term health insurance in Daytona Beach, Florida? You will want to understand why anyone would need this type of coverage. There are actually a number of reasons why you may be temporarily without medical insurance. One of the most common situations occurs when you have recently been taken on by a new employer, but have to wait for anything between 30 and 90 days before you can be added to the company’s group plan. Another possible reason may be that you have reached the cut-off age on your parents’ plan, but are waiting to enroll as a full-time student or find employment. You may simply be unemployed — perhaps you have recently been laid off and are looking for a job.

In many of these situations, you would actually be eligible for COBRA insurance. This is a provision under the Consolidated Omnibus Budget Reconciliation Act of 1986, whereby a previous employer with 20 or more employees is obliged to offer you the option of an 18-month extension of your coverage. However, this can be extremely expensive, and if you are a student or unemployed you may not be able to afford it. Short term health insurance in Daytona Beach, Florida could be an affordable alternative.

Short term or temporary health insurance operates as an indemnity plan, so that you are free to go to the health care provider of your choice. However, most policies require you to obtain pre-certification from the insurer before being hospitalized. In addition, most work on a stepped deductible principle, by which you pay 100 percent of the deductible up to a certain level of the claim amount, then 50 percent up to a further level, after which the insurer pays the full amount, up to the plan maximum.

The main limitation of short term health insurance in Daytona Beach, Florida is that it does not cover pre-existing medical conditions — that is, conditions reported within the 36 months before the policy was issued. This is because, in general, short term policies are exempt from HIPAA, the 1996 Health Insurance Portability and Accountability Act. This, among other provisions, prevents group health care plans from denying coverage to applicants who have pre-existing conditions, but does not apply to short term plans.

However, some states have legislation which provides slightly more generous conditions. Short term health insurance in Daytona Beach, Florida is covered by Florida Statute 627.6045, if the policy is issued for more than six months. Under this statute, the period of exclusion is only 24 months, not 36, and the exclusion only applies to conditions arising within this period which would normally cause people to seek treatment. In fact, this could even apply to policies issued for six months or less, if the terms were not clearly stated to the applicant.

In addition, most short term insurance policies exclude many types of preventive and elective care, including physical examinations. However, short term health insurance in Daytona Beach, Florida includes many benefits that are specific to Florida. These include mammograms for over-35s, diabetes supplies, osteoporosis treatment, and dental anesthesia.

When you are temporarily uninsured and in good health, you may be tempted to continue without insurance coverage for a time. However, illness or accident could strike at any time, and even a visit to the emergency room can cost hundreds of dollars, before you even have any treatment. Short term health insurance in Daytona Beach, Florida can cost only a few dollars a day, and will save you from finding yourself on your own with a huge bill to pay.

FAQ

What is short term health insurance?

Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans.

The application process for short term health insurance is usually simpler than standard, longer-term health insurance. Short term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care.

Purchasing a short term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short term plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.

Short term health insurance plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but, in general, short term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, you may want to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition.

Why would I want coverage for a limited amount of time?

If you’re between jobs, waiting for coverage from another health insurance plan to start, laid off, on strike, a recent college graduate or seasonal employee and know that you only need coverage for a specific period of time, short term health insurance may be a great option for you.

What happens when I reach the end of my coverage period?

At the end of your coverage term, most health insurance companies will allow you to re-apply for another short term plan. These plans do not typically constitute an automatic continuation of your first plan. Many short term health insurance plans only allow you to re-apply once.

What if I only need coverage for less than 30 days?

Most short term health insurance plans have a minimum coverage period of 30 days. Even if you only need coverage for less than 30 days, you can either:

  • Make a single payment upfront for 30 days of coverage, or
  • Select the monthly payment option, and then cancel your coverage when you no longer need it. Please note that you will not be refunded for partial months of coverage.

How soon can my coverage start?

Coverage for many short term health insurance plans can start as soon as 24 hours after the application is submitted. In order for coverage to start promptly, you can make your first premium payment by supplying a valid credit card number with your application. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment.

If you would prefer to have your coverage start later, you can select a date up to 30 days in the future.

How will I know if I qualify for short term health insurance coverage?

In most cases, as soon as you complete your application, we will be able to let you know if you do not qualify for short term coverage.

If I don’t qualify for short term coverage, will my credit card still get charged?

No. If you choose to use a credit card, your card will only be charged if you qualify for short term coverage. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment.

If I apply for an insurance plan, am I obligated to buy?

No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number or a check for the first premium payment. Most insurance companies will not charge your card or deposit your check until you are approved. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund.

A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.

Do short term health insurance plans include dental and vision benefits?

No. short term health insurance plans are designed to protect you in the event of an unexpected illness or injury and are not intended to cover dental and vision care. Short term health insurance plans are for temporary coverage only and therefore do not include some of the benefits offered by standard, longer-term health insurance plans.

Should I pay monthly or make a single payment up front?

Most short term health insurance plans give you the option of paying in monthly installments, or in a single up-front payment. Often, single payment plan costs may be lower than monthly plan costs.

We recommend you select “Monthly“, if you:

  • don’t know exactly how long you will need coverage, or
  • don’t want to make a single up-front payment

We recommend you select “Single Up-front Payment“, if you:

  • know exactly how long you will need coverage for,
  • want lower plan costs, and
  • don’t mind paying your whole premium up-front

If you select “Single Up-Front payment” you will need to specify the duration of your coverage (30-185 days). Also, if you select ” Single Up-Front payment” payment, you will enjoy the convenience of not having to manually cancel your plan at the end of your coverage period, although typically you will not be able to get a refund once coverage starts. If you need short term health insurance after your specified duration, you will need to re-apply for a new short term plan. (Note: most short term health plans will only allow you to re-apply once.)

Note: Some insurance companies only offer the “Single Up-Front payment” option, thus selecting this option may give you a greater selection of plans to choose from.

How can I insure just my child?

When getting quotes for your child(ren) only, enter the child’s gender and birth date in the “Applicant” or first row. Additional children should be entered below in the “Child” rows, but not the “Spouse” row.

However, many health insurance companies require one policy per child. So if you have more than one child, try entering just one child to see a larger selection of plans and prices. You are free to apply for each child separately.

What if I get a standard, longer-term insurance policy at a future date?

Once you receive written confirmation that the health insurance company you selected approved your application for a standard longer-term health insurance policy, you should contact the insurance company that issued your short term health insurance plan and cancel the short term policy.

Will purchasing a short term insurance plan make it harder for me to get coverage in the future for a pre-existing medical condition?

If you recently lost health insurance coverage through an employer, purchasing a short term medical insurance plan will make you ineligible for any guaranteed issue, individual health insurance plans commonly referred to as HIPAA plans. Oftentimes, HIPAA plans are quite expensive but may be appropriate for those whose pre-existing conditions make it difficult to obtain health insurance in the private market. Therefore, if you wish to maintain your eligibility for HIPAA plans, you should not purchase a short term health insurance plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.