Pennsylvania Short-Term Health Insurance Plans – Quick Approval
UnitedHealthcare, IHC Group, National General, Companion Life, LifeShield, Everest, and HCC Life are several of the Pa healthcare companies that we research for you. If you are currently not working, just graduated, missed Open Enrollment, recently divorced, or are without coverage, temporary contracts can give you inexpensive and immediate coverage until you find a permanent solution. Missing the 45-day Open Enrollment period for Marketplace plans can also leave you uninsured.
If you have group benefits through your employer, you don’t need a ST plan. Also, any person that is eligible for Medicare or Medicaid should not consider these types of plans. If covered through a subsidized Marketplace plan, typically, you should retain the policy unless the premium becomes unaffordable. Limited duration plans are not designed to replace Exchange contracts, and also so not provide unlimited benefits in the event of a catastrophic injury or illness.
Cancel Policy At Any Time
Policies can be canceled at any time, regardless whether you keep benefits for a day, a week, a month, or longer. If needed, you can usually re-apply for coverage if your situation has again changed. Also, you may apply for benefits at any time throughout the year, since Open Enrollment Periods to not apply. However, the lifetime cap for medical expenses typically ranges from $750,000 to $2 million, and many mandated Obamacare coverages are not covered.
Preventative expenses, unlike Exchange plans, are not covered at 100%. Although catastrophic expenses are included benefits, elective and cosmetic surgeries are typically excluded. Pre-existing clauses may also include conditions where prior treatment and consultations were performed, regardless if a procedure or surgery was needed.
Maternity benefits are not included, and you also can not apply for a plan if you are currently pregnant. If your spouse is an expecting parent, you also can not purchase a policy. However, once the baby is delivered, typically, within 30 days, all family members can apply for coverage. Several other existing conditions will also result in a declined application, including heart disease, cancer, diabetes, rheumatoid arthritis, and obesity. Maintenance medications for high blood pressure, cholesterol, and many other conditions, typically will not impact the cost you pay for coverage.
UnitedHealthcare, Companion Life, and IHC Group are generally among the least expensive available policies. In the Pittsburgh area, “Short Term Blue” was previously offered, but is no longer available. These carriers offer many variations in plans along with several deductible options. Thus, we are happy to explain specific details, and recommend the policy that best meets your needs. If you live in the central portion of the state, Capital BC and Highmark don’t offer ST options. However, because their provider network is so large, you should be able to keep your physicians if you choose an Exchange plan.
Sample Monthly Rates
40-Year-Old Male Residing In Harrisburg (Dauphin County)
$108 – Independence American $7,500 deductible $1 million maximum benefits
$114 – UnitedHealthcare $5,000 deductible $2 million maximum benefits
$133 – Everest $5,000 deductible $1 million maximum benefits
$142 – UnitedHealthcare $2,500 deductible $2 million maximum benefits
$151 – Independence American $2,500 deductible $1 million maximum benefits
$189 – Everest $1,000 deductible $1 million maximum benefits
$216 – UnitedHealthcare $1,000 deductible $2 million maximum benefits
$107 – Independence American $1,000 deductible $1 million maximum benefits
50-Year-Old Female Residing In Pittsburgh (Allegheny County)
$84 – Independence American $7,500 deductible $1 million maximum benefits
$92 – Independence American $5,000 deductible $1 million maximum benefits
$120 – Independence American $2,500 deductible $1 million maximum benefits
$125 – LifeShield National $5,000 deductible $750,000 maximum benefits
$144 – UnitedHealthcare $5,000 deductible $2 million maximum benefits
$171 – Independence American $1,000 deductible $1 million maximum benefits
$179 – UnitedHealthcare $2,500 deductible $2 million maximum benefits
45 Year-Old Married Couple (2 Persons) Residing In Philadelphia (Montgomery County)
$130 – Independence American $7,500 deductible $1 million maximum benefits
$144 – Independence American $5,000 deductible $1 million maximum benefits
$190 – Independence American $2,500 deductible $1 million maximum benefits
$219 – LifeShield National $2,500 deductible $750,000 maximum benefits
$225 – UnitedHealthcare $5,000 deductible $2 million maximum benefits
$275 – Independence American $1,000 deductible $1 million maximum benefits
$280 – UnitedHealthcare $2,500 deductible $2 million maximum benefits
35 Year-Old Married Couple With Two Children (4 Persons) Residing In Lancaster (Lancaster County)
$114 – IHC Group $5,000 deductible $1 million maximum benefits
$126 – IHC Group $2,500 deductible $1 million maximum benefits
$240 – IHC Group $1,000 deductible $1 million maximum benefits
$242 – UnitedHealthcare $2,500 deductible $2 million maximum benefits
$260 – National Insurance $1,000 deductible $750,000 maximum benefits
$371 – UnitedHealthcare $1,000 deductible $2 million maximum benefits
1-12 Months Of Coverage Is Available
Pa short-term health insurance plans provide coverage for a limited period of time (usually 1-12 months) and are ideal for persons between jobs or waiting for new group insurance to begin, recent high school or college graduates, persons laid off or persons who have applied for an Open enrollment exception. Anyone can apply for a policy, although you must be a legal resident of your state of residence. Applicants also must be under age 65 and not eligible for Medicare benefits. Any applicant that can qualify for CHIP or Medicaid should enroll in those plans, when offered. The Pa DOI offers additional information about these types of plans.
If you originally thought you would need benefits for 3-6 months, but only needed coverage for a month, that’s OK. You choose when to terminate coverage. If you just graduated college and are attempting to secure employment, you can quickly activate benefits until you are listed under the group contract. However, if you are covered under a parent’s policy, typically, you can retain benefits until you reach age 26. At that time, employer-provided coverage or a Marketplace plan are likely your best choices. If you are self-employed, many private plan options are offered.
Rates are also extremely affordable and often one half the cost of a regular plan. Typically, policies are approved in less than 48 hours and as mentioned, you may cancel them at any time. The standard application can usually be completed in less than 25 minutes, and you can apply online, by mail, email, or fax. Usually, there are about five health-related questions along with the standard date of birth and address types of questions.
A single payment can be made for the exact period of coverage you want, or monthly payments if you are unsure how long you need coverage. For example, the monthly rate for a 40-year old male is approximately $55-$60. Raising the deductible will reduce the monthly rate and conversely, lowering the deductible will raise the monthly rate. Another major factor in determining rates is the maximum out-of-pocket expenses you select. Although the deductible should be a strong consideration when shopping plans, comparing the maximum out-of-pocket expense is more important.
Short-Term Plan Details
· Short-term coverage is temporary, and when your policy period ends and your health changes, you may not be able to buy additional insurance if outside of an Open Enrollment period. You will probably be able to purchase a policy, but the rate could be higher if your health changed. A cheap catastrophic plan can always be considered if you are hesitant about purchasing a policy for only a few months. During Open Enrollment periods, your pre-existing conditions are covered when applying for new Marketplace plans. You may also qualify for a federal subsidy or “cost-sharing” on Silver-tier plans.
· Short-term coverage is exempt from HIPAA requirements. Thus, when buying a policy, insurance companies do not have to guarantee the renewal or waive the pre-existing limitation clause for eligible individuals or families. If you are being treated for an illness, injury or ailment, it will not be covered. However, if you qualify for a private or group policy, those conditions will no longer be an issue. And if you qualify for an SEP (Special Enrollment Period), you can purchase an Exchange plan without answering medical questions.
· Deductibles are generally applied to each claim instead of each year. Unless your deductible is low, multiple claims can result in substantial out-of-pocket expenses. However, for an added cost, you can buy a “per policy” deductible. Since you are unlikely to have two major claims in six months (or less), the cheaper option is more popular for coverage periods of 1-6 months. However, “per-policy” deductibles are more appropriate for 12-month contracts. Conventional plans apply the deductible “per policy.”
· Coverage is designed to pay for catastrophic events and unexpected illnesses. Routine physicals, minor office visits, and dental/vision expenses are generally not covered. However, once the deductible has been met, you may be covered for some of these items, depending on the company. Preventive benefits are provided without any out-of-pocket cost on all other compliant policies. No waiting period applies, and many tests and procedures may also be included. As a non-Obamacare plan, temporary contracts also do not include pediatric dental or vision benefits.
· If you are eligible for Medicare, you do not need to purchase this type of coverage. If needed, a Medigap (Supplement) or Medicare Advantage plan can be considered. If you are eligible for Medicaid, you also do not need to buy a temporary plan. Benefits will be duplicated, and it would not be a cost-effective option to spend your money. If your employer provides comprehensive benefits, temporary coverage is not needed. If you are covered under a spouse’s policy, and you are satisfied with the premium, that coverage should be continued.
We study and research online Pennsylvania short-term health insurance plans. Your time is valuable, and you work hard for your money. We use all of our resources to find you the best temporary option from the major companies. The “Quote” section is at the top of the page, and only takes about two minutes to complete. Benefits can be activated within 24 hours, if needed.