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Short-term Medical Insurance

Between health insurance plans? Consider Interim Coverage

If you don’t have health insurance or are between plans, take a look at Interim Coverage from The IHC Group. Interim means temporary, so it’s sometimes called short-term coverage or short-term medical.

Keep in mind that Interim Coverage isn’t the same as having an annual health insurance plan under the Affordable Care Act (ACA). For example, it doesn’t provide the same benefits and it won’t excuse you from tax penalties for being uninsured.

It does, however, offer you protection against unforeseen medical expenses such as accidents or hospitalization, as long as it's not from a pre-existing condition. Check out the examples below to see if this might be a solution for you.

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What’s Covered

All benefits listed apply per covered person, per coverage period. The amount of benefits provided depends on the plan selected and the premium will vary with the amount of benefits selected.

What's Covered
Office Visit Copay
  • After the copay, the balance of the doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance.
$50 copay, not to exceed one visit per coverage period

1 copay for 30–90 days of coverage
Deductible
  • The selected deductible maximum is an amount of money that must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: When three covered persons in a family each satisfy their deductible, the deductibles for any remaining covered family members are considered satisfied for the remainder of the coverage period.

Deductible Option Amounts

$2,500
$5,000
$10,000
Coinsurance Percentage and Out-of-Pocket Maximum
  • After the deductible maximum amount has been met, you pay the selected coinsurance percentage of covered expenses until the out-of-pocket maximum amount has been reached.
  • The out-of-pocket maximum amount is specific to expenses applied to the coinsurance percentage; it does not include covered expenses applied to the deductible, precertification penalty amounts, or expenses not covered under the policy.
  • Once the deductible and out-of-pocket maximum amounts have been satisfied, additional covered expenses within the coverage period are paid at 100 percent, not to exceed the coverage period maximum benefit amount. Benefit-specific maximums may also apply.
Coinsurance Out-of-Pocket
20% $4,000
30% $6,000
50%

o

$5,000
$10,000
Maximum Benefits Coverage period maximum benefit $2,000,000
Office Visit Copay
  • After the copay, the balance of the doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance.
$50 copay, not to exceed one visit per coverage period1 copay for 30–90 days of coverage
Deductible
  • The selected deductible maximum is an amount of money that must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: When three covered persons in a family each satisfy their deductible, the deductibles for any remaining covered family members are considered satisfied for the remainder of the coverage period.

Deductible Option Amounts

$2,500
$5,000
$10,000

Coinsurance Percentage and Out-of-Pocket
  • After the deductible maximum amount has been met, you pay the selected coinsurance percentage of covered expenses until the out-of-pocket maximum amount has been reached.
  • The out-of-pocket maximum amount is specific to expenses applied to the coinsurance percentage; it does not include covered expenses applied to the deductible, precertification penalty amounts, or expenses not covered under the policy.
  • Once the deductible and out-of-pocket maximum amounts have been satisfied, additional covered expenses within the coverage period are paid at 100 percent, not to exceed the coverage period maximum benefit amount. Benefit-specific maximums may also apply.
Coinsurance Out-of-Pocket
20% $4,000
30% $6,000
50% $5,000
$10,000

When to get short-term coverage

Interim Coverage can give you short-term protection for 30-90 days and can begin as soon as the day after you’re approved. Here are a few examples of when to consider this type of health plan:

  • If you started a new job and there’s a waiting period before your benefits begin
  • If you didn't buy health insurance during the annual Open Enrollment Period
  • If your annual plan doesn’t go into effect for a few weeks
  • If you need temporary insurance for 30-90 days

Who can apply

  • Individuals under age 65.
  • Spouses who are age 18 to 64.
  • Dependent children up to age 18, or 26 if full-time student. A child-only plan is available for children ages 2 to 17.
  • Coverage is not guaranteed. Applicants must apply and answer underwriting questions in order to receive coverage. Some applicants will not be eligible.

The difference between Short-term Medical and Affordable Care Act (ACA) coverage
Short-term Coverage (not ACA-compliant) ACA Coverage
When does coverage start? Usually within 1-14 days Usually within 2-6 weeks
Can I buy it year-round at any time? Yes No
Can I be declined because of pre-existing conditions? Yes No
Does it cover maternity care? No Yes
Does it cover prescription drugs? Limited Yes
Does it cover doctor visits? Limited Yes
Does it cover hospitalizations
due to injury or serious illness?
Yes, but typically not for pre-existing conditions Yes
Can I use a government subsidy to
purchase it?
No Yes
Does it have a dollar limit on coverage? Yes No
Can I renew it every year
(as long as the plan is available)?
No, but you can reapply, if needed Yes
When does coverage start?

Short-term Coverage (not ACA-compliant)

Usually within 1-14 days

ACA Coverage

Usually within 2-6 weeks
Can it protect me from the ACA tax penalty?

Short-term Coverage (not ACA-compliant)

No

ACA Coverage

Yes
Can I buy it year-round at any time?

Short-term Coverage (not ACA-compliant)

Yes

ACA Coverage

No
Can I be declined because of pre-existing conditions?

Short-term Coverage (not ACA-compliant)

Yes

ACA Coverage

No
Does it cover maternity care?

Short-term Coverage (not ACA-compliant)

No

ACA Coverage

Yes
Does it cover prescription drugs?

Short-term Coverage (not ACA-compliant)

Limited

ACA Coverage

Yes
Does it cover doctor visits?

Short-term Coverage (not ACA-compliant)

Limited

ACA Coverage

Yes
Does it cover hospitalizations due to injury or serious illness?

Short-term Coverage (not ACA-compliant)

Yes, but typically not for pre-existing conditions

ACA Coverage

Yes
Can I use a government subsidy to purchase it?

Short-term Coverage (not ACA-compliant)

No

ACA Coverage

Yes
Does it have a dollar limit on coverage?

Short-term Coverage (not ACA-compliant)

Yes

ACA Coverage

No
Can I renew it every year (as long as the plan is available)?

Short-term Coverage (not ACA-compliant)

No, but you can reapply, if needed

ACA Coverage

Yes