California health insurance  -  California individual health plans  -  Short Term Coverage

Short Term Health Insurance for California
California short term health

UPDATE:  We now have a new short term option available in California with much better pricing through Anthem Blue Cross and IHC.  You can quote and enroll directly here.

For individual and family insurance in California, there are two clear types of potential coverage.

 

The first is long term or "permanent" coverage and the second is short term or "temporary" insurance.

 

There are definitely times when the latter (or the concept) can make sense so let's walk through short term California health insurance and look at the common questions that people have.

 

what is short term gap insurance?What exactly constitutes "Short Term"?

 

First, let's establish what type of situation short term is designed to address.

Obviously, we're looking at a period of time that shorter in nature.

 

If your expected period of time MIGHT extend beyond 3 months of need and have other options (ACA, Cobra, etc), short term is probably not the best choice.

 

A good example of a potential use of short term is having a 3 month waiting period for group health to kick in.

 

It really comes down to whether we can qualify for permanent coverage outside of Open Enrollment (more detail on short term versus Covered California here).

 

This is actually a very common use of it. We also get calls from people who are in between jobs and this can be trickier unless you know for sure that you'll have new group coverage in under 3 months.

 

If we qualify based on health, we can get multiple 3 month short term plans consecutively. 

 

short term health quote

 

Best to plan for the worst and hope for the best.

If short term looks like it will fit our needs, what are the benefits?


Short term health plan Benefits and Use

 

The short term plans are best used for more catastrophic coverage.

 

They don't address preventative or office visits until a deductible is met.

They work really well for broken legs, car accidents, etc. 

 

Temporary plans are designed to cover the "big what if" during a gap period.

 

And they do that very well.

 

When you run your quote, you'll see a range of deductibles, coinsurance percentages (amount you pay between the deductible and the max), and max out of pockets to choose from.

These options dictate your pricing.

 

We're happy to walk through how it works.


Basics of Short term plans

 

Here are some key notes but we're happy to help with any questions at help@calhealth.net

  1. You can cancel month to month, up to 3 months.  Just email or fax us signed/date request to cancel.
  2. Coverage can begin at midnight following online app enrollment
  3. Coverage is medically underwritten - you must qualify based on health but it's easier to qualify
  4. It generally takes a few days to process and get enrolled
  5. The rates available are best on the market!  100% guaranteed.
  6. There is no cost for our service
  7. You'll have access to MultiPlan network with over 900,000 providers contracted nationwide!
  8. You may be subject to the penalty for not having ACA coverage (if enforced) with a short term plan

 

Again, let us know what questions you have.


What about Permanent coverage or ACA plans such as Covered California

 

Here's the deal...we've lost most of our short term plans in the recent past from the market (Cross, Shield, United, and Health Net have all stopped offering short term coverage).

 

Currently, we only have IHC but the good news is that they partnered with Anthem Blue Cross and use an extensive provider network with over 900,000 provider contracted.  You can find more on this Anthem Blue Cross Short term plan.

 

The alternative to Short term plans are ACA plans (through Covered Ca or direct with the carrier - same rates, networks, and plans). 

 

Outside of Open Enrollment, we need a Special Enrollment trigger (usually birth, marriage, move, or loss of qualified coverage).

 

The advantage is that you can cancel these plans month to month or renew indefinitely so they are much more flexible than the old short term plans.

 

If we have a Special Enrollment trigger in the last 60 days, those plans make sense (especially if we qualify for a tax credit).

 

Otherwise, Short term might be our only choice.

 

You can quote the ACA plans here and Short term plans separately here.


Remaining Short term plan in California

 

If you truly want a short term plan, it's IHC who partners with Anthem Blue Cross right now.

 

That's the only carrier left.  They're partnered with Anthem Blue Cross which adds a level of legitimacy.

 

They won't show in the current individual/family quote but their plans and rates are available here:

 

short term health quote

 

You can always run two separate quotes so compare the two if you like.

 

Again, the traditional plans mentioned above are hard to beat price wise which used to be the one true advantage that short term policies offered Californians.

You can run your Short Term Health Quote here to view rates and plans side by side from the major carriers...Free.

 

There is absolutely no cost to you for our services.  Call 800-320-6269 Today!

 

Is there a Kaiser short term health plan?

Short term health reviews
 

 Follow calhealth.net on social media


ABOUT SSL CERTIFICATES

short term health insurance quote
Call 800-320-6269
Our Services are FREE to You!

Call to Enroll over the Phone in 15 Minutes

what is short term health used for

Call 800-320-6269

Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
Aetna
and more
Thousands of Californians
Hundreds of California Companies
SUCCESSFULLY
ENROLLED
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

SUCCESSFULLY
ENROLLED
Find out what customers are saying about our services
About Calhealth.net

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call us...you will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269
calhealth website

Our Services are FREE to You

Calhealth.net is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.