When you hear the words “cheap health insurance,” you may roll your eyes. However, did you know that it’s possible to get the coverage that you want at a low price point? What about “affordable doctor visits”? We can help with that, too. Vera Health provides access to affordable short-term health insurance with benefits for many different medical services, including doctor visits and urgent care.

Sometimes, no matter how many green smoothies we drink, fitness classes we take, or kale salads we eat, viruses and infections can still make their way into our bodies. Whether you rarely get sick or can’t seem to keep pesky sinus infections away, it’s vital to protect your health (and your wallet) with health insurance that fits your budget. Have you ever gotten sick right before a big vacation, work trip, or significant deadline? We’ve all been there, and Vera knows how important it is to keep your health a top priority (so you can have more fun; let’s be honest).

Short-Term Health Insurance for Doctor Visits

A short-term health insurance plan provided through Vera includes benefits for doctor visits. We know that not everyone has time to schedule an appointment with their primary care provider (PCP), so the plans we offer include convenient solutions as well. So, whether you have time to visit your PCP, need to go to an urgent care clinic, or don’t feel like stepping out of your home at all, short-term health plans through Vera provide benefits for various ways to get medical care.

A short-term health insurance plan through Vera includes benefits for:

  • Doctor visits: Office visit benefits are available for everyone. There are copay options in some states. If a copay option is not available in your area, your doctor visit benefit will apply to your deductible and coinsurance (your portion of a covered medical service).
  • Urgent care: You’re responsible for a $50 access fee per visit, and the rest applies to your coinsurance.
  • Telemedicine: Available through your LIFE Association Membership to provide you with 24/7 access to licensed physicians who can treat common illnesses and ailments.
  • Access to an extensive network of medical providers: Choose a doctor from the Aetna Open Choice® PPO Network of over 690,000 doctors and specialists.
  • Prescription drug benefits in some states: Enjoy a $10 copay on generic medications, depending on your plan and state. If prescription drug benefits aren’t available for you, keep your prescription costs low with a pharmacy discount card.

Keep in mind that covered services may be subject to waiting periods, visit limitations, deductible, coinsurance, copays, and/or benefit maximums depending on the plan you purchased.

How Much Is a Doctor Visit Without Insurance?

Many people need to see a doctor from time to time, and paying out-of-pocket for visits can add up quickly. According to HRB Solutions, here are the average prices for doctor visits without insurance:

  • Routine adult checkup: $200 to $300
  • Well woman exam: $200 to $300
  • Adult office visit: $150 to $250
  • Child office visit: $150 to $250
  • Adult emergency room visit for illness: $550 to $800
  • Allergy test: $250 to $400
  • Strep test: $20 to $40
  • Throat swab: $30 to $50
  • Urgent care clinic: $89 to $129

Whether you go to the doctor here and there or rarely, you should consider the out-of-pocket costs for doctor appointments. A quick trip to the doctor’s office could result in expensive medical bills, even for a wellness checkup. Thankfully, Vera can help you protect your wallet with access to affordable short-term health insurance with benefits for everyday medical services.

How to Find a Doctor

Choosing a doctor for your unique medical needs is a personal choice, and Vera can help you find the right one. Plans sold through Vera provide access to the Aetna Open Choice® PPO network to help you find the best doctor for your needs. Also, the most economical way to use your short-term health insurance benefits for doctor visits is by seeing in-network physicians. Keep in mind that plans through Vera provide some out-of-network coverage. Plans will pay a portion toward covered medical services even if your doctor isn’t in-network. However, if you choose to see an out-of-network doctor, you’ll most likely pay more than if you choose an in-network provider.

Who Can Get Short-Term Health Insurance?

We understand that not everyone receives health insurance from their workplace, and not everyone wants all of the coverage included in Affordable Care Act (ACA) major medical plans. So, if you’re self-employed or between jobs, want lower premiums, and don’t have a pre-existing condition, then know that you may have health insurance options that could fit your lifestyle.

So, the short answer is yes, you can use short-term health insurance for doctor visits, but if we sparked an interest, we’d love to chat with you. If you want to learn more about short-term health insurance, how we can help you keep more money in your pocket, and how you can now renew your short-term health plan, call a Vera Health expert today at 888-499-1187, or check us out online if that better suits your fancy.



Short Term Medical coverage is not required to comply with federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of pre-existing conditions or health benefits (such as hospitalization, emergency service, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

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Material in these articles is for general information or entertainment purposes only. VERA Health does not endorse and is not affiliated with any of the other companies or apps listed in this article. Vera Health is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services, or other materials on or available through these websites or resources. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners.

Vera Health markets short term medical insurance products underwritten by National Health Insurance Company, Integon Indemnity Corporation, and Integon National Insurance Company.

Vera Health markets short term medical insurance products underwritten by National Health Insurance Company, Integon Indemnity Corporation, and Integon National Insurance Company.