Did you recently lose a job and the health insurance benefits that came along with it? Or did you recently land a new job but learn that you’ll have to wait a little while for health insurance benefits to kick in?
In both of these instances, you might want to consider looking for a short term health insurance plan. This type of plan will provide you with the coverage that you need without breaking the bank.
You’re always free to change it and live your life without health insurance. But that could prove to be a terrible decision if you do it and end up getting sick or hurt during the time period when you don’t have any health care coverage set up.
There are lots of cheap short term health insurance plans out there that would be great for you. Here are three things you should know about them before signing up for one.
1. You Should Be Able to Continue to See Your Primary Doctor
When you have a long term health insurance plan, it’ll usually come with a specific network of doctors that you’ll need to use. You’ll be limited in which doctors you can and can’t see while you’re signed up for this plan.
But the average short term health insurance plan doesn’t have a network of doctors that you’ll need to use. This means that you should be able to continue to see your primary doctor and any other doctors that you’re used to seeing on a regular basis.
This is definitely something that you’ll want to keep in the back of your mind when you’re wondering, “How do short term health insurance plans work?”
2. You Should Be Able to Use a Short Term Health Insurance Plan for a Few Years
Some people don’t bother asking, “What is a short term health insurance plan?”, because they’re under the assumption that it’s not something they’ll be able to use for very long. But the truth of the matter is that you can often use a short term health insurance plan for much longer than you might think.
In fact, some states allow people to use the top short term health insurance plans for up to 3 years at a time. This might make it a much more attractive option for you.
3. You Should Still Have a Long Term Health Insurance Plan in Mind
Although you are going to be able to use a short term health insurance plan for a lot longer than you may think, that shouldn’t stop you from thinking about a long term health insurance plan. You should have your sights set on what your goals are going to be for obtaining long term health insurance while enrolled in a short term health insurance plan.
This will guarantee that you don’t ever have to go without health insurance at any point in time.
Find the Best Short Term Health Insurance Plan Today
Does a short term health insurance plan sound like something that would be beneficial to you? Then you should look around at some of the short term health insurance plans available right now.
Keep everything that we’ve discussed here today in mind when you do. It’ll help you track down the right insurance plan based on your needs.
Read the rest of the articles on our blog for more health-related tips.