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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. 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.

Learn more about Interim Coverage PDF

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When to get short-term coverage

Interim Coverage can give you short-term protection and can begin as soon as the day after you’re approved. Coverage effective before March 31, 2017 can cover you through the end of the year. After April 1, coverage is available for up to 90 days. 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

What's Covered

Office Visit Copay $50 copay per visit 





The number of copay-eligible office visits you’ll receive depends on the coverage period.

  • 1 copay visit when you buy 30-90 days of coverage
  • 2 copay visits when you buy 91-180 days of coverage*
  • 3 copay visits when you buy 181-364 days of coverage*
Deductible Deductible Option Amounts
  • You can choose the amount for your Individual or Family deductible from the options shown to the right.
  • Please note that each person’s deductible must be paid before their coinsurance benefits will begin.
  • If you sign up for a Family plan, the most you’ll pay for your deductible is equal to three Individual deductibles. This means if you have four or more members on your plan, you’ll pay the equivalent of three Individual deductible amounts. But if you have two members, you’ll only pay two times the individual deductible amount.
Individual
$1,000
$1,800
$2,500
$5,000
Family
$3,000
$5,400
$7,500
$15,000
Coinsurance Percentage and Out-of-Pocket Coinsurance Out-of-Pocket
  • After you meet the deductible, you will begin to pay the coinsurance percentage of covered expenses until you reach the out-of-pocket amount.
  • The out-of-pocket amount only includes covered expenses paid after the deductible is met, and does not include the actual amount of the deductible.
  • Once you reach the out-of-pocket amount, your plan will cover the remaining percentage of covered expenses up to the maximum benefit listed below.
20% $1,000
$2,000
$3,000
$4,000
30% $1,500
$3,000
$4,500
$6,000

50% $2,500
$5,000
$7,500
$10,000
Coverage Period Maximum Benefit $2,000,000
Office Visit Copay
The number of copay-eligible office visits you’ll receive depends on the coverage period.

  • 1 copay visit when you buy 30-90 days of coverage
  • 2 copay visits when you buy 91-180 days of coverage
  • 3 copay visits when you buy 181-364 days of coverage

$50 copay per visit
Deductible
  • You can choose the amount for your Individual or Family deductible from the options shown to the right.
  • Please note that each person’s deductible must be paid before their coinsurance benefits will begin.
  • If you sign up for a Family plan, the most you’ll pay for your deductible is equal to three Individual deductibles. This means if you have four or more members on your plan, you’ll pay the equivalent of three Individual deductible amounts. But if you have two members, you’ll only pay two times the individual deductible amount.
Deductible option amounts
Individual
$1,000
$1,800
$2,500
$5,000
Family
$3,000
$5,400
$7,500
$15,000
Coinsurance Percentage and Out-of-Pocket
  • After you meet the deductible, you will begin to pay the coinsurance percentage of covered expenses until you reach the out-of-pocket amount.
  • The out-of-pocket amount only includes covered expenses paid after the deductible is met, and does not include the actual amount of the deductible.
  • Once you reach the out-of-pocket amount, your plan will cover the remaining percentage of covered expenses up to the maximum benefit listed below.
Coinsurance    Out-Of-Pocket
20% $1,000
$2,000
$3,000
$4,000
30% $1,500
$3,000
$4,500
$6,000
50% $2,500
$5,000
$7,500
$10,000
Coverage Period Maximum Benefit
$2,000,000

Who can apply

  • Individuals under age 65. (Your application for coverage includes enrollment in Communicating for America, Inc.)
  • 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 it protect me from the ACA tax penalty?
 No  Yes
 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
Short-term Coverage (not ACA-compliant)
ACA Coverage
When does coverage start? 
 Usually within 1-14 days Usually within 2-6 weeks
 Can it protect me from the ACA tax penalty?
 No  Yes
 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