Where Can I Get Immediate Health Insurance?

Shopping for health insurance can be overwhelming, especially when you need immediate coverage. However, with the right information and guidance, you can find and purchase health insurance that works for you and your family. If you’re wondering where can I get immediate health insurance, continue reading to learn more.

Understanding Immediate Health Insurance

Immediate health insurance is also known as short-term health insurance. It is a temporary health insurance option that is designed to provide coverage for a limited period. It can be an option if you’re in-between jobs, waiting for employer coverage to start or if you’re no longer eligible for your parents’ health insurance plan due to age.

Short-term health insurance is less expensive than traditional health insurance plans, but it also offers less coverage. The plans can be purchased for as little as 30 days and up to one year. However, you should note that short-term health insurance plans often exclude coverage for pre-existing conditions and essential health benefits that are covered by the Affordable Care Act.

Places to Find Immediate Health Insurance

Through Health Insurance Marketplaces

The federal and state health insurance marketplaces provide a great place to start looking for immediate health insurance. They offer various health insurance plans that will fit your budget and needs. You can compare and purchase health insurance plans that offer immediate coverage through these sites.

If you’re eligible, you can also apply for subsidies that can make health insurance more affordable for you and your family. The open enrollment period for the 2021 plan year is from November 1, 2020, to December 15, 2020. If you miss the open enrollment window, you may not be able to enroll in a plan until the next open enrollment period, so act fast!

Through Insurance Companies

You can also purchase health insurance directly from an insurance company. Most insurers offer short-term health insurance plans that can provide immediate coverage. Short-term plans are usually less expensive than traditional plans but have some limitations.

You can compare different plans by researching insurance providers or by working with a licensed insurance broker to help guide you through the process.

Through Insurance Brokers

If you’re confused about what health insurance options are available, you can always rely on a health insurance broker. Insurance brokers are licensed professionals who can guide you through the insurance buying process.

You can find a broker by searching the National Association of Health Underwriters directory or contacting your state’s health insurance department. A broker can provide in-depth advice on different health insurance options and help you make an informed choice.

Benefits of Immediate Health Insurance

Immediate health insurance offers various benefits over traditional health insurance plans, including:

Flexibility

Short-term health insurance plans are designed to provide coverage for short periods, typically up to one year. This makes them more flexible than traditional insurance plans.

If you’re in-between jobs or waiting for your employer’s coverage to start, short-term insurance plans can provide you with the necessary coverage at a lower cost than COBRA or other long-term health insurance plans.

Affordability

Immediate health insurance plans can be significantly cheaper than traditional health insurance plans. This is because they offer limited coverage.

If you’re healthy and don’t need comprehensive coverage, short-term plans can be an affordable alternative to traditional health insurance.

Quick Approval and Enrollment

Immediate health insurance plans can be approved and enrolled in quickly with minimum paperwork. The process of getting immediate health insurance can be completed within a few days, which makes it an excellent option for those in urgent need of coverage.

Things to Consider Before Purchasing Immediate Health Insurance

Before purchasing immediate health insurance, here are some key factors to consider:

Plan Duration

Short-term health insurance plans have a limited duration. As such, carefully consider how long you will need coverage before purchasing a plan.

It’s also essential to consider any possible events that may happen before the plan’s duration ends, such as a medical event. Medical events mean that you may need to extend your coverage or consider other types of plans such as traditional health insurance.

Coverage

Immediate health insurance plans often offer limited coverage, particularly when compared to traditional health insurance plans. It’s important to read the terms and conditions of the plan as well as understand the coverage limitations.

You should also check to see if the plan provides coverage for essential health benefits required by the Affordable Care Act to make sure that you have adequate protection.

Cost

While immediate health insurance plans cost less than traditional health insurance plans, it’s important not to choose solely based on their affordability. Carefully weigh the plan’s coverage against its cost to determine its value for your specific situation.

Contact Us for Help

Are you still unsure about which immediate health insurance plan is right for you? Contact us at US Health Insurance Options LLC for help. Our licensed insurance experts can guide you through the process and help you select the best coverage options for your specific needs.

Resources

• Where Can I Get Immediate Health Insurance?
• Florida Medicaid
• Florida Medicare

Conclusion

If you’re in urgent need of health insurance coverage, immediate health insurance is a viable option that you can consider. However, before selecting immediate coverage, carefully consider your needs in terms of cost, length of coverage, and benefits provided.

At US Health Insurance Options LLC, we have a team of licensed insurance experts who can help guide you through the process of choosing the right insurance plan for your specific needs. Contact us today to get started!