- Can I enroll in a short term insurance plan at anytime?
You can enroll in short term coverage whenever you find yourself having a lapse in health insurance coverage.
- Does short term insurance have a time limit?
Short term insurance plans do have a limit. The time limit for short term insurance is 1-12 months depending on varying state regulations.
- Can I be kicked off short term insurance?
If you have met the 12 month time limit for short term insurance, you may be forced off short term insurance completely or be auto enrolled into a another plan that provides appropriate insurance coverage.
- How long should I keep my short term insurance?
It is recommended that you use short-term insurance as a temporary solution between 1 to 12 months because of the associated costs and the coverage limitations. If you are able to find other insurance options that have better coverage and lower premiums and costs, we recommend using those options.
- What are the benefits of short term insurance?
The benefit of short term insurance is that it provides a relatively inexpensive option to cover short periods of time where you may be experiencing a lapse in health insurance coverage.
- What does short term insurance not cover?
Short term insurance does not cover pre-existing conditions, preventative care, or any other healthcare needs that may occur when not on United States soil.
- Is short term insurance the same as temporary insurance?
Yes, the phrase short term insurance is sometimes referred to as temporary insurance. Short term insurance (and temporary insurance) offers consumers a way to temporarily access certain health insurance benefits during times when they are unable to access other health care options.
- Do employers in Arizona offer short term insurance?
No, employers in Arizona do not offer short term insurance. If you are fired or let go from your employment, you will most likely be offered COBRA health insurance. Learn the difference between short term insurance and COBRA.
- What is the difference between short term insurance and COBRA?
Short term insurance is significantly less expensive than COBRA but covers fewer costs, such as vaccinations, physicals, or pregnancy. Whereas COBRA allows you the access to the exact health insurance plan that you had access to with your previous employer, but at a much higher cost.
- If I am let go or fired in Arizona, will my employer offer me short term insurance?
No, your employer will not offer you short term health insurance, but will most likely offer you the opportunity to sign up for COBRA insurance. Learn the difference between short term insurance and COBRA.
- What information and documents should I have when I'm signing up for short term insurance?
When you are signing up for short term health insurance you will need to have proof of your annual income and residency status.
- Can I get short term insurance if I am recently divorced or widowed?
You could get short term insurance while pending the beginning of a new or updated insurance coverage window. Keep in mind that change in marriage status, i.e. divorce or being widowed, typically falls under the category of a qualifying life event and makes you eligible for a Special Enrollment window.
- How does short term insurance work with life events?
Short term may be a good way to tie you over while you wait for the beginning of a coverage window. Keep in mind that most major life events like marriage, birth of a child, change in employment fall under the category of a qualifying life event and thus you are eligible for a Special Enrollment window that allows you access to many different insurance options.
- Can I get Obamacare cost assistance with short term insurance?
Short term insurance does not meet the minimum health insurance coverage requirements of a qualified health plan as mandated by the Affordable Care Act (Obamacare) and you will be subject to a tax penalty. Additionally, because short term health insurance does not meet the minimum ACA requirement, it does not qualify for cost assistance.
