Short-Term Health Insurance

These plans are terrific for people who are between jobs, in group health waiting periods and for students.

In California, Health Net (along with others) offers plans with deductibles as low as $750 but the best value is the $2,000 deductible. The maximum out of pocket is limited to the deductible plus an additional $1,000.

The plan can be purchased on a monthly basis or for a set length of time such as 90 days. It is much less expensive to purchase the plan for a set time especially when you know when the permanent plan will begin.

One of the better uses of a short-term plan is to provide coverage while a permanent health application is being reviewed by the company. You can choose an effective date for the permanent plan up to 60 from the date of application. To protect oneself from the expense of an accident or major illness, one should purchase a short-term plan to fill in this gap.

Lastly, underwriting for short-term plans is simplified. Since they are designed only to cover new conditions, they are not as concerned about prior health issues. The price for a short-term plan is very reasonable.

We will be happy to review your insurance needs and provide you with expertise that only an experienced insurance agent can provide. We don’t get paid unless we find you a plan that works for you. Let us help find you a plan with value for your hard earned dollars.