Temporary – short term coverage…
Short Term Policies can be used when you are waiting for Open Enrollment into Obamacare and don’t qualify for Special Enrollment with a qualifying event, Medicare, EmployER Group Insurance, Learn More ===> San Jose Mercury News 4.18.2014
Direct ONLINE Enrollment, Quotes & Information through our HCC Affiliate Link Authorized Agent # 22024080
If not in CA click here for Nationwide Quotes – navigate through to short term section…
Key Provisions & Caveats
Pre-Existing Conditions generally are NOT covered
If one selected a Bronze Plan… and now wants better benefits – Can they get a Temporary Plan to boost the benefits??? Learn more ⇒ Dual Coverage – Co-Ordination of Benefits Web Page
Comparing the costs of short term plans – Insure Me Kevin.com
HHS Health & Human Services wants to limit coverage to three months and make sure that the client knows that Plans do not meet the requirements 10 essential benefits of the Health Care Reform mandate and you may be assessed the 2.5% penalty for the months that you didn’t have qualifying coverage. HHS is also concerned about adverse selection, * NAIC 16 page pdf. * CMS Fact Sheet 6.8.2016
Note that Mr. Mip below does qualify as minimum essential coverage and meets the mandate.
What happens if you missed Open Enrollment – don’t qualify for special enrollment – qualifying event, or are concerned about not being able to get coverage for SIX weeks, as you did not apply by the 15th of the month?