We need coverage to start right away.
Health carriers are notoriously slow in doing anything.
Immediate isn't exactly in their vocabulary.
Let's look at what we can do when we coverage right away.
Enter Short term health plans.
With short term, we get as close as we can to instant health coverage.
We'll discuss the option in more detail but for those of you who are inpatient (it is call immediate health insurance after all), here are the steps -
How to get Immediate health insurance:
Most of the time, it's instant with access to ID cards available right away.
For those with a little more time, let's go through the finer points of Short term health coverage in California.
Right now in California, we basically have IHC which is sponsored by Anthem Blue Cross.
The other carriers are updating plans to meet the new 3 month cap on short term plans.
As we get more options, we'll add their plans and rates into the rating engine.
For now, it IHC and you can quote them here:
This is extensive and we've had a pretty good response with their claims process.
There are many reasons people need coverage fast.
Here are the most common:
It's not uncommon to get an email to the tune of:
"Hey, I'm going to Burning Man on Friday and I need health insurance"
The only alternative is an ACA health plan (such as Covered Ca) but there are specific rules on when you can enroll on these.
The two ways to get that coverage are:
Even if we do qualify, the effective date is usually the following 1st of the month (best case with loss of coverage or if enrolled by the 15th of month)
One month after the following 1st.
Nothing immediate or fast about that health insurance.
That's where short term comes in handy.
So how do we use this immediate health coverage?
Most of the time, it's not so much how much coverage we have but when it starts.
If we're really looking for getting catastrophic health coverage fast,
consider the higher deductible and max out of pockets.
The goal is to keep the rates down.
Make sure to meet those requirements.
Okay...so it's fast on the front end.
What about when we want to cancel it?
Here's how immediate coverage works.
We can cancel month to month.
The easiest approach is a signed/dated request to cancel the your plan (reference ID#) submitted prior to the next 30 day block (that you don't want coverage in).
Short term payment is all online.
When you apply for coverage, credit card information is submitted for both the first payment and the subsequent payments.
Otherwise, the policy will draw payment for each monthly period of time.
Payment will automatically stop after 3 30 day blocks.
A person would need to enroll again after this 90 day block if they need further coverage.
With IHC (BCBS sponsored), there is a one time application fee and a monthly membership fee.
These fees are included in the quote you received here:
Short term plans may be the only way to turn around coverage very fast but there are other considerations.
If you are eligible for Covered California or Cobra, we need to consider other important concerns.
You can read more on Covered Ca versus Short term health here.
More information Cobra versus immediate short term here.
If you have either option, make sure to read the articles in full!
Very important things we gain and lose with a particular decision.
Of course, we're happy to help you with any questions.
Call us at 800-320-6269 or email at firstname.lastname@example.org
Our assistance is 100% free to you!
These are short term health plans!
The are designed for more catastrophic health care needs.
You can control the cost by choosing from three variables:
Let's look at these with a little more detail.
Deductible is an amount you will pay first before getting help.
This is the biggest driver of your monthly premium costs.
The higher the deductible, the lower the cost.
Just make sure the deductible meets any requirements you're trying to show proof of (sports, college, etc).
Co-insurance is the amount you will then share with the carrier after the deductible is met.
For example, it might be 50/50.
This means that once you meet the deductible, you will then start paying 50% of the costs.
This tells us when we can stop paying the co-insurance.
Once you hit this max (in addition to the deductible), we're done for the period of time (90 day block) up to the maximum benefit.
In general, it makes sense to have a lower priced plan with higher deductibles etc.
Keep in mind that immediate health plans do not cover preventative, pre-existing conditions, and the like.
They're really built to cover a new injury or illness.
They do a good job with this!
So we now know how to get health insurance fast!
Like right now!
Or at least midnight, tonight!
Keep in mind this doesn't help you to cover an existing or new issue!
If you break your leg, you can't go get short term health insurance to cover it!
You need to get the coverage prior to the break.
Or better yet, don't break your leg :)
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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
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
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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