By Brian W. Thacker
The Affordable Care Act has a variety options designed to meet a variety of needs. For some people they are a blessing. They cover pre-existing conditions as well as preventive care. The subsidy from the government will help offset some of the increased expenses associated with having more benefits. For people who are above the 400% of poverty line, the choices in the new medical insurance exchange might be too expensive. The benefits will be comprehensive, but they may cost too much for your family's budget. Some people take very good care of their health by eating and exercising. It is possible that they will need medical care at some point. However, their lifestyles will ensure that they won't have to worry aobut major expenses for doctor visits and hospital stays.
For people that don't have pre-existing conditions and do not need the extra benefits required by the health care law, some alternative and much more affordable options might be available. Short term health insurance has been available for a long time. These plans are comprehensive major medical programs that are approved by the departments of insurance in each state that they are available. If the state governments do not approve of the premiums and benefits of these plans then they are not issued. Since the benefits are more limited than the Affordable Care Act they are much less expensive. Clients do have to complete an enrollment application with health questions. But most of the temporary medical insurance programs are instant issue. This means you can get coverage as early as midnight of the night you apply without having to wait for approval from a separate underwriter. If you answer the 5 health questions appropraitely then you will have your coverage that can start by midnight of the time you first apply. Some people with health problems may be turned down. So this is not an option for everyone, but it is going to be a budget saver to many.
These plans do not fall under the guidelines of the Affordable Care Act (Obamacare) because they are designed to cover people for only a short period of time. If people only need coverage because they are between jobs or waiting for Medicare to begin, this is a good option. Usually these plans are designed to cover for new illnesses or injuries for up 6 - 11 months. Temporary insurance does not have co payments for doctor visits and no prescription drug coverage for most of them. All medical expenses are covered subject to a deductible that you choose and then co insurance after that. There are many websites that have access to quotes for these plans. If you have gotten a quote for the Obamacare then getting quotes and information for these short term contracts is going to be easy. Make sure you speak with an agent even though the plans are straight forward. In a good website you should be able to do the research you need on good companies and then apply without needing to call or talk to anyone else. Do your research and get the best plan for your situation. Just understand that Obamacare is not the only plan for everyone. There are ways to save money and be covered for major illnesses and surgeries.
Brian W. Thacker has been working with individuals and their families to meet their medical insurance needs since 1996. He brought the agent appointment and application process to the web in 1998 with his website. He has clients all over the world who have used his websites to get quotes and information about a variety of options from individual health insurance plans to Medicare and Family plans. Get a quote and apply online in minutes at http://www.short-termhealthinsurance.com. Your coverage can be in place by midnight and you get your cards sooner than that. 336-880-8337 (cell) or 866-373-4948 office
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