Once again Obamacare is upon us and those who have joined are scrambling to figure out what direction to take this year. And whether Obamacare, the ACA, survives the next President and Congress, all of the alternatives will have an enrollment period. For 2016 that is November 1 to December 15. And what happens if you don’t bite the bullet and pull the trigger on something, palatable or not? You don’t have coverage and you will likely incur a tax penalty for not enrolling. Some are doing the math and finding out, since there are temporary alternatives, maybe the paint is really dry where you’ve believed you were painted into a corner. There is a way to keep from being painted into that corner, a way you can just get coverage and wait and see what happens next year. While skipping ACA coverage is kind of like poking a snake, a lot of folks are doing the math and finding out the snake isn’t so dangerous and they have options.
In fact, millions of Americans still fall through the ACA cracks and are unable to secure affordable healthcare, thus the need for gap coverage…thus the need for short-term medical insurance. Several carriers entertain the growing short-term medical market with confusing and often limiting product lines, but a short term program has been developed that offers the most attractive, easy-to-follow benefits in the nation.
And for millions every year, because of changes in employment or employer’s health insurance plans, there is a real need to have temporary major medical coverage. So what about:
Short Term Major Medical
The insurance is a temporary major medical insurance plan for individuals up to age 64. Coverage has a maximum term length of 11 Months. Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within the USA will be reimbursed to you. Plans are also available for foreign nationals residing in the US who need health care coverage and US Citizens residing or traveling outside the US who aren’t covered by their plans at home.
1) All expenses are applied toward the deductible
2) Once the deductible has been fulfilled, the policy will cover 100% up to $1,000,000.
The Short Term Major Medical plan is set up to be as simple as possible – No co-pay & No coinsurance. Signing up for the plan requires a simple one page application with no medical questions. Policy Maximum and deductible are per person, per policy period. There is a choice of $100, $250, $500, $1,000, $2,500, or $5000 deductibles. The earliest effective date is the day after the application is submitted.
Eligible Expenses and Details
- Hospital Expenses
- Physician Services
- Skilled Nursing Facilities
- Home Health Care
- Ambulance Services Expenses
- Prescription Drugs
- $25,000 Accidental Death
Bottom line. There are plenty of times when, through no fault of our own, we end up looking for or waiting for opportunities for health care insurance. Why not put temporary health care insurance in force today and get that monkey off your back. Instant quote/Apply online! If you want a complete brochure, email me right away. My name is Ed Hinerman. Let’s plug that hole in your coverage now.