Are you thinking about getting short-term health insurance – and need some help navigating the process? If so, you’ve come to the right place. Vera Health offers affordable short-term health insurance options to fit your needs and budget, and we’ve got the tips for getting the right short-term health insurance plan for you.

When it comes to health insurance, there are a lot of options out there, but many Affordable care Act (ACA) major medical plans aren’t affordable for everyone. However, short-term health insurance can be a viable, low-cost choice for people like:

  • Self-employed workers
  • Freelancers
  • Independent contractors
  • Anyone who doesn’t receive health insurance from an employer
  • Anyone who doesn’t have pre-existing conditions
  • Anyone who wants to save money on health insurance
  • People between jobs

Do you fall into this list? If you do, you may want to consider short-term health insurance. Short-term health plans through Vera help you pay for the coverage you want, not the coverage you don’t, so you can get insured on your terms. So, what are some tips for getting short-term health insurance? Keep scrolling to find out!

What Does Short-Term Health Insurance Cover?

Now that you know how to get short-term health insurance, it’s important to understand what short-term health plans cover and what they don’t.

Short-term health insurance plans through Vera include benefits for unexpected medical emergencies, like:

  • Ground ambulance trips
  • Hospitalization
  • Emergency room care
  • Inpatient/outpatient hospital care

Temporary health plans through Vera also provides access to benefits for more common medical services, like:

  • Doctor visits
  • Urgent care
  • Telemedicine*
  • Child immunizations
  • Home health care
  • Prescription drug benefits in some states

Vera can help give you some financial protection from expensive medical costs with a lower monthly premium. How do plans through Vera keep monthly premiums so low? Short-term health insurance has limitations for covered services and benefits. They do not cover pre-existing conditions, pregnancy, mental health services, infertility care, or substance abuse services.

Why Get Short-Term Health Insurance?

Short-term health insurance can be an affordable, flexible health insurance option to help you save money and stay financially protected from medical emergencies. With a short-term medical plan, you won’t have to pay all of your medical expenses out of pocket, and your monthly premium could be lower than many major medical options. With Vera, you can get a short-term health insurance plan that helps you save money on your monthly premiums for up to three years.

Three differentiating factors separate short-term health insurance from other types of coverage:

  • Lower monthly premiums: Temporary health insurance plans have lower monthly premiums than many ACA major medical options.
  • Flexible term durations: You can now keep your short-term health insurance plan for up to one year with the option to renew coverage two additional times.
  • Year-round availability: Short-term health insurance does not operate on an open enrollment schedule. You can apply for short-term coverage at any time of the year.

If you’re looking for low-cost health insurance, don’t have any pre-existing conditions, and want coverage for up to three years, short-term health insurance could be for you. To learn more about short-term medical, check out our website to see how much you could save on your health insurance today! You can also call 888-499-1187 to chat with a Vera Health expert who can help you decide if short-term health insurance is a good fit for you.

* Deductible: The amount that you’re responsible for before your health insurance benefits kick in. Premium: Your monthly payment for health insurance. Coinsurance: Your share of a covered health care service; your deductible must be met before coinsurance can be applied to covered health care services. 

* Pre-existing condition: a health problem that you had before the date that new health coverage starts. Examples include cancer, diabetes, asthma, and chronic migraines. 

* Telemedicine is available through a LIFE Association membership.

This 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 preexisting conditions or health benefits (such as hospitalization, emergency services, 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.