Need Short Term Health Insurance in California?
Short term health insurance typically lasts for only 2-12 months. These plans are very basic and don’t provide a lot of the benefits that a standard health plan would offer. Their primary use is to protect people in California from catastrophic financial loss if an accident or an illness occurs during a short temporary period when you don’t have medical coverage.
Short term health policies do not meet the Minimum Essential Coverage requirements of the ACA. Therefore you will potentially be subject to a penalty.
Short term coverage can be a great solution for people in one of the following situations:
Individuals transitioning between jobs
College students or recent graduates
New employees waiting for group coverage to begin
Individuals not yet eligible for Medicare
Individuals waiting on approval of major medical coverage
Individuals no longer eligible on parents’ policy due to age or status
Individuals looking for an affordable substitute for COBRA
In these situations, short term medical insurance, or temporary medical insurance acts as a “bridge” between regular medical insurance.
We provide policies from the leading temporary insurance companies:
HCC Life IHC Health Solutions
A few of the major California medical insurance companies are beginning to introduce temporary plans, but they are simply re-branding plans from HCC and IHC.
Short term health insurance should really be considered a safety net. There are usually no benefits until you meet the deductible ($250 to $5000). It is not something you would use to go see a doctor for an annual physical, because you would pay for the office visit out of your own pocket.
As a bridge, it solves the problem of providing protection against a major injury or sickness happening during the period of time you are not on a regular policy.
None of the short term medical policies will provide coverage for pre-existing conditions you may have. For more information about this, and to see if there are better options, please call our office and an Advisor will be happy to help you.
All California plans offer the ability to pay monthly or one time payment. If you know how long you need the coverage to last, you can fill out the application and put in the beginning and ending dates, and pay all at once for the full period. The one time payment option will cost less, and is another way to reduce the price for your short term coverage.
What Is The Best Temporary Health Insurance Plan?
After reviewing the benefits and cost of the plans from HCC and IHC, the HCC plans tend to be the better option. HCC provides one office visit for a copay every 3 months, while IHC does not cover any office visits.
The HCC pricing in California tends to be lower than IHC’s California prices at similar deductible levels.
Both companies offer the ability to have a plan start as soon as the day after you apply. Both provide online applications to make the process easy and fast.
To compare the plan benefits and pricing you will have to run two separate quotes.
HCC Life Quotes:
IHC Health Solutions Quotes:
How Do I Get A Short Term Health Plan?
The first step is to get a quote showing the short term medical plans that are available where you live in California by clicking the quote links above.
The second step is to pick the plan you want. Use the “Compare” plan features, on the left side of each plan description in the quote, to select the plans you would like to compare, and then click the compare button to see a detailed comparison of the selected plans benefits and rates.
Once you’ve made your choice, the last step is to click the “Apply” button on the right side of the the quote.
The applications ask 4-11 simple Yes/No questions about your medical history and as long as the answers are all No, the application can be approved immediately. This enables you to get a temporary plan that can start as quickly as the next day.
Once you have completed the application, along with your payment information, you will be taken to a page where you can download your new health cards.
If you live in San Diego, California and need to fill a short term or temporary gap in coverage, we can help you find the best solution. Just give us a call.