Summer is here and 2016 is almost half over, but if you still lack health insurance, a short term plan could be the solution. Temporary health plans are a viable option for people who are experiencing gaps in coverage due to a job change, a move or other life circumstances. They are also great for individuals who may be exempt from the individual mandate (tax penalty) to buy health insurance or those who may just choose to buy health insurance outside of Open Enrollment.
There are many benefits to a short term health plan. For instance, most temporary insurance plans are less expensive than regular health insurance plans. In fact, they are a low-cost solution that could protect your financial security should you be faced with an unexpected illness or injury. You can also be approved for short term plans as soon as the very next day and coverage can be in place anywhere from 1 month to 11 months, whatever your circumstances require. Temporary health insurance is a great way to fill gaps during times of transition or change.
Although these plans won’t cover preexisting conditions and will not keep you from incurring a tax penalty (unless you are exempt), these plans can protect you in catastrophic circumstances and help give you the peace of mind that comes from knowing you will be covered in an emergency. You can choose the amount of your deductible and coinsurance and there are even some temporary plans that offer copayments for primary care office visits. If you are still uninsured for 2016, consider a temporary health insurance plan. Contact one of our authorized agents to find out if short term coverage is right for you.
For more information on North Carolina insurance coverage, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents.