Interim or Short-Term Medical Plans

A short-term policy is a good option for an individual in a changing situation who needs health insurance coverage for a short period while in a gap between employer-based plans. Others may not be eligible to enroll in a permanent policy.

These policies are not ACA (Affordable Care Act) qualified as they do not meet Minimum Essential Coverages, therefor they will not protect you from a Tax penalty for not having health insurance.

Pairing a short-term policy with a supplemental plan may also help to reduce your financial risk in the event of an unexpected illness or accident.

Supplemental Health
Insurance

Supplemental health insurance is meant to supplement your current health insurance plan and it is not compliant with the Affordable Care Act law on its own.

Supplemental insurance is sold by private companies and can help pay some of the health care costs that your plan doesn’t cover.

There are several supplemental health insurance options for individual and family health insurance. Whether a supplement health plan is right for you depends on your medical needs and what plans are available to you.

Your Advocate with Health Insurance Companies

We can help you find the best option to suit your situation and budget.

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This depends on your policy but most individual health insurance plans do not include coverage for dental and vision unless medically necessary.

Pediatric dental is a requirement for ACA medical plans, which only applies to children up to the age of 19. We recommend discussing the actual Pediatric Benefits for the specific plan you are considering. Our Sales Specialist will be able to advise as to the specific benefit.

You can apply for Dental and Vision plans at any time during the year. These types of plans are not restricted by ACA application deadlines. Please note that most true dental insurance plans have waiting periods for basic and major services. However, if you have proof of continuous credible dental coverage, in the last 60 days, certain plans will waive the waiting periods.

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The Critical Illness Insurance plans pays a lump-sum benefit upon initial diagnosis of a covered Critical Illness such as a heart attack, stroke, or invasive cancer. The lump-payout is to the insured directly and can be used for anything the person or their family needs: medical bills, uncovered services, household help, etc.

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These plans would reimburse you up to your calendar year maximum for a covered accident.
Our Accident plans can reimburse you up to your calendar year maximum for a covered accident, with proof of medical loss. Or another type of Accident plan pays a set amount based on the type of injury (or covered incident) you sustain.

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While some medical insurance plans say, they cover worldwide, they have strict requirements before they will reimburse any medical claims loss. Purchasing a Travel Medical plan can be a low-cost, hassle-free way to have medical coverage out-of-country. Even in the United States, not all plans cover you outside of your region. For instance, certain plans may only cover certain regional providers in-network.

We recommend to all our clients who will be traveling to purchase some form or another of Travel Insurance to protect you, your family, or your trip costs while traveling.

For more information speak with a Sales Specialist Contact us.