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.
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 6 months of need, 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. 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 6 months. 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?
Here's the deal...we've lost most of our short term plans in the last 18 months from the market (Cross, Shield, and Health Net have all stopped offering short term coverage). Currently there is Assurant which is one of the last true short term providers.
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. This is our recommendation for temporary periods of time in which you need coverage until we see if new carriers come online after the dust from health reform settles.
If you truly want a short term plan, Assurant offers a range of deductibles
and monthly premiums which you can quote through our Online short term quote
engine. The engine requires that you specify short term versus traditional
health plans up front. 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
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20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
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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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