We get this question almost daily.
Can I get short term health insurance from Kaiser?
This makes sense since many people have been in the Kaiser network for years...sometimes their entire lives.
What happens if we have a gap between Kaiser coverage and we just need short term?
We have bad news and good news.
Let's get the bad out of the way.
Right now, Kaiser does not offer a short term health plans.
UPDATE: California banned all short term health insurance plans eff 9/1/2018.
Information below is for States that still have short term health carrier options.
We should probably describe what we mean by short term and then discuss options.
Short term plans are designed to cover a fixed period of time (generally up to 3 months).
They do not meet the requirements for permanent coverage of ACA (Affordable Care Act) plans.
Here's a quick list of important short term points:
Basically, short term plans work to fill a gap in coverage.
Now, what if we want Kaiser?
We can't get short term with Kaiser right now.
You can quote and enroll in this plan here:
The rates quoted are the best possible rates and there is no cost for our services!
If you truly have a gap to fill, this is the short term plan available.
You will not be able to use Kaiser providers/networks.
You can renew month to month and cancel when you're able to get back on board with Kaiser.
Some important notes.
We can help you with this process.
As Certified Covered California agents, there is no cost for our services.
We'll be able to compare short term health plans and Kaiser plan eligibility side by side based on your situation.
You can quote these Kaiser plans (enter income info to see if you get a tax credit) here:
If you do not have a Special Enrollment trigger and we're outside Open Enrollment, short term health may be the only way until you can get back on Kaiser.
Everyone's situation is different (and complex) so we're happy to walk through yours with you.
Just call 800-320-6269 or email us with any questions.
Open Enrollment is generally Nov 1st to Jan 31st (may change in the future).
This is important if you want to stay with Kaiser.
Short term works very differently from ACA coverage.
Let's look at each one.
With short term plans, you pick a deductible.
This is an amount you have to pay up to before the plan kicks in.
Once the deductible is met, you then pay a percentage of remaining medical bills.
You stop paying this coinsurance amount when the max out of pocket is met.
Those are the basic components.
Use short term plans for more catastrophic coverage (to cover the big 'What If').
Until we get short term health options from Kaiser, we have AlieraCare short term plans (quote here).
This allows up to 11 months in 1 month blocks of short term between Kaiser coverage.
We can use these blocks to get to open enrollment, a Special Enrollment trigger, or other coverage (such as employer sponsored plans).
We're happy to help with any questions you may have and our services are 100% free to you.
Call 800-320-6269 for any questions on which option is best for your situation. Our services are free to you!
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We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
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