Will purchasing a short-term insurance plan make it harder for me to get coverage in the future for a pre-existing medical condition?
A very important consideration when purchasing a short-term health insurance plan is the fact that by doing so, you automatically become ineligible for any guaranteed issue individual health plans commonly referred to as Health Insurance Portability and Accountability Act (HIPAA) Plans. Although HIPAA plans are usually very expensive, they make it possible for people with pre-existing medical conditions to obtain health insurance. 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 the legal implications of HIPAA in your particular circumstances.
Short Term Insurance FAQs
- Are dental and vision benefits included in a short-term plan?
- How do I know you are finding me the lowest premiums?
- How soon can my coverage start?
- Is there any obligation for me to buy an insurance plan once I have applied?
- Should I pay monthly or make a single payment up front?
- What happens when I reach the end of my coverage period?
- What if I get a standard, longer-term insurance policy at a future date?
- What if I only need coverage for less than 30 days?
- What if I only want to insure my children?
- What is short-term health insurance?
- When will I know if I qualify for short-term health insurance coverage?
- Why would I want coverage for a limited amount of time?
- Will my credit card still get charged if I don’t qualify for coverage?
- Will purchasing a short-term insurance plan make it harder for me to get coverage in the future for a pre-existing medical condition?