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Texas Short Term Health Insurance
Short Term Health Insurance in Texas refers to medical insurance that provides protection against unexpected health care expenses. In Texas, policies can be purchased from 30 days to 3 years.
The application process is simple - only a few qualifying questions to answer. Coverage can begin as early as the next day.
Good to know: Starting around their first birthday, kids should get twice-yearly checkups from the dentist, says Keith Morley, DMD, president of the American Academy of Pediatric Dentistry. Preventive care, nips problems in the bud before they become more costly. You should also talk to your dentist about getting sealants for your child's molars. (Sealants are a liquid plastic material applied to your child's back teeth to prevent them from decaying.) Many insurance companies cover the cost, but even if they don't, get them anyway: They'll probably save you money in the long run.
courtesy of Parents.com
What is Short Term Health Insurance?courtesy of Parents.com
The first thing to do is define short term health insurance. There are two parts to this: What short term health insurance was, and what short term health insurance is now.
In the not too recent past, short term health insurance was designed just for short term situations. The health insurance term duration ranged from several months to a year. This type of health insurance was for individuals who needed temporary medical insurance, or for individuals who could not afford traditional health insurance. It was used mostly by employees who frequently changed jobs, or employees waiting for their group health insurance plan to kick in. Often, young adults would select a short term health insurance plan because of its affordability. The rationale being they could purchase a traditional health insurance plan once they were more financially established. The actual medical coverage was strictly for hospitalization. Doctor visit benefits, preventative services, or prescription drug benefits, were unheard of.
Today's short term health insurance plans are quite different. In Texas, many short term health insurance plans offer doctor visit copay benefits, preventative services, prescription drug benefits, and more. There are now short term health plans available in Texas that can be held for up to three years before a new application is needed.
The short term medical insurance benefit structure is beginning to look a lot like traditional health insurance plans. The Texas community has noticed. Short-term health insurance is becoming an ideal health insurance solution for a growing number of Texas families.
Short term health insurance is not for every circumstance. It lacks several of the guaranteed benefits that are part of the Affordable Care Act portfolio of plans. However, There are several notable advantages.
- Affordability. Traditional Health insurance options can be very costly. A short term health insurance plan will likely be a more affordable solution.
- Employment Gap. If you receive health insurance through your employer and are between plans or jobs, short-term health insurance can help cover you and your family for the interim.
- Network. If you live in an area with few healthcare providers, short-term insurance may help expand your options.
- Near immediate coverage. In most cases, you can qualify and be covered by a short term health insurance plan within 24 hours.
Good to know: Just because your doctor writes you a prescription doesn't mean you can fill it. Expensive medications for treatment of certain cancers, diabetes, liver disease, and a host of other maladies can cost patients tens to hundreds of thousands of dollars if the insurer does not cover the drugs. But even if the drugs are covered, insurers have been known to try to stall, just to see if the patient will come up with the money to pay for the drugs rather than wait on the insurer's approval. What can we say? It happens.
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| Cornerstone Hospital of Austin 4207 Burnet Rd Austin, TX 78756 Telephone: (512) 706-1900 Plus Code: 8764+QM Austin, Texas |
Speaking with a true health insurance specialist will help you determine if a Texas short term health insurance plan is the right choice for you and your family. Give us a call today.
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