Temporary Health InsuranceServing Florida Businesses and Residents throughout West, Central, and Southwest Florida, includingFort Myers, Tampa, Lakeland, and Sarasota
Also known as:
Short-Term Health Insurance
Got a new job in Florida that has a waiting period for coverage?
We’ll carefully guide you through every step of the process.
How Do Temporary (Short-Term) Plans Work?
Short-Term plans offer a convenient solution for those needing temporary health coverage, ideal for bridging the gap until enrollment in an Affordable Care Act (ACA) plan, obtaining employer-sponsored insurance, or qualifying for Medicare.
While Short-Term plans may not encompass all the benefits of traditional plans, such as comprehensive prescription drug coverage, they do provide valuable protection for new health conditions that arise after enrollment — keeping in mind that pre-existing conditions are not covered.
Here are some highlights of Short-Term plans:
- These plans provide coverage for a duration of one to six months, with the flexibility to apply for an extension if needed.
- They focus exclusively on new health issues and emergencies that occur post-enrollment. Any previous conditions will require out-of-pocket costs.
- Plus, they feature a program that offers discounted rates on prescription medications.
Overall, Short-Term plans can be a practical and supportive option during transitional periods.
Understand Your Temporary Plan Options
Short-Term plans focus on immediate needs and do not include:
- Coverage for medical issues or injuries that have been treated within the last 24 months prior to the plan’s start date (often referred to as pre-existing conditions).
- Routine health checkups and preventive care for adults (However, children up to age 17 can access preventive care, and adults are eligible for annual mammograms).
- Coverage for maternity or newborn services (You have the option to purchase a rider for these benefits).
- Habilitative services such as physical, occupational, or speech therapy.
- Traditional pharmacy benefits that involve copays and coinsurance.
These plans are designed to offer essential support while you explore more comprehensive options!
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Serving Florida Since 1985
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