Short Term Health Care
Need temporary health insurance? Fill in a gap in coverage with a short term health plan.
In California, get Interim coverage for 30-60-90 days, 6 months or up to 12 months.
Short Term Health Insurance California
If you’re on this page, you are probably looking for short-term health insurance. It could be that you are between jobs, fresh out of school or recently retired. Maybe you didn’t make the ACA / Covered California Open Enrollment Period and want to have health insurance that will cover you till the next one. The best coverage to get in such circumstances is short-term health insurance.
Short-term insurance, also known as gap health insurance, was a plan that covered you for a short period or covered a gap when you didn’t have health insurance.
What Changed With Short-Term Health Insurance?
Under Obama Care, short-term health insurance plans went away, and Health for California was no longer able to offer these types of coverage. Now, short-term coverage is back again, although it can no longer be called insurance. Instead, short-term coverage is now offered as short-term health plans.
Short-term health plans offer you affordable major medical health insurance coverage in the event of an unexpected illness, emergency, accident or injury while you’re waiting to enroll in a standard health plan. Temporary coverage is basic, the price is cheap, and your insurance can start almost immediately, usually the next day.
Health for California offers flexible short-term health plans through Aliera. Aliera Health Care is an HCSM (Health Care Share Ministry) under law, which allows them to offer greater flexibility and lower rates. You can enroll at any time and even enjoy no penalties caused by non-enrollment.
Currently, Anthem Blue Cross, Blue Shield of California and Kaiser Permanente are not offering short term health insurance plans. However, you can purchase BCBS and Kaiser temporary coverage that is month-to-month during Open Enrollment or during the Special Enrollment Period if you have a qualifying life event.
When Can I Benefit From California Gap Health Insurance?
Situations when short-term health insurance is useful to you include the following:
- You missed out on the Open Enrollment Period, and you didn’t qualify for special enrollment.
- You applied for the Covered California Health insurance plan and are still waiting for it start.
- You missed your company’s open enrollment and need a temporary health insurance while waiting for when you can sign up again.
- You recently started a new job and have not yet been put under your company’s insurance plan.
- You are under 65 years and almost ready for Medicare.
- Your job or school requires you to get health insurance immediately.
InterimCare Short-Term Plans From Aliera
Aliera InterimCare is the short-term health care plan from Aliera. In California, where short-term insurance is not an option, this plan works like short-term coverage in most other states. If you need to get insurance fast or protect yourself until another health care program kicks in for you, InterimCare may be a choice for you.
What Are the Pros and Cons of Short-Term Health Insurance?
Like all other health insurance plans, short-term health plans have their pros and cons.
Short-term health care from Aliera is:
- More affordable than major health plans – Short-term health plan premiums are lower than most major health plans available. With Aliera, you also enjoy even lower rates, since it’s an HCSM.
- Can be bought at any time of the year – With most major health plans, you have to wait for the Open Enrollment Period to apply for health insurance coverage. With short-term health insurance, you can purchase at any time of the year.
- Start almost immediately after applying – After applying for short-term insurance online, you can use it as soon as the next day, depending on the insurance company. Most plans take a short period to be approved.
- Flexible – short-term health care plans are intended for those who need health coverage temporarily. If you’re waiting for benefits to begin at a job, for an Open Enrollment Period or for another plan to kick in, you can use these plans for some coverage while you wait.
- Renew when the coverage period is over – You can decide to purchase a short-term plan that covers you for a month and renew it after the one month if you will still need it. It can be renewed several times.
- Can be canceled after applying – With short-term plans, you can cancel coverage after applying without facing any penalties. Depending on the company, you could get your premiums back if you cancel your insurance early enough and you haven’t used the insurance.
All short-term health insurance plans have some limitations:
- They may not protect you from the Obamacare Penalty – Most people tend to think that getting short-term health insurance protects you from the government penalty for not having health insurance. While short-term insurance is a good option for medical insurance, it does not shield you from penalties. However, the federal government repealed the penalty, so there is not penalty at this point. There is talk in Sacramento that at some point California may implement its own penalty.
- Most do not cover pre-existing conditions – ACA has set minimum requirements that must be met with major health plans. Short-term health insurance is not required under ACA to meet the essential requirements. As such, most do not cover pre-existing conditions. You could be denied the plan based on your pre-existing condition. If you are still accepted on the plan, they might not cover the said condition. Autism, substance abuse treatment, mental health conditions and other medical conditions may also not be covered.
- They may not cover prescription drugs – Prescriptions you may take or need to take during the course of your short-term health insurance duration may not be covered.
- You must agree to a statement of beliefs – Since health plans are not part of government health programs, most plans, including short-term and other health care plans, require you to agree to a statements of beliefs, which may include your commitment to certain lifestyle and healthy practices. Aliera has a very inviting statement of beliefs that’s open to people of many different orientations and faiths.
- There’s a limit on how long you can renew – While it can be renewed several times, a short-term health plan can only be renewed up to 11 months. After that, your insurance company will not renew it further. There is also no guarantee that your insurance company will accept you again when renewing, especially if you had a major illness while on the plan. These plans are intended for short-term solutions, and the idea is that you’ll eventually move on to a more permanent health coverage solution.
Should I Get a Short-Term Health Plan?
If you do not currently have health coverage, you’ll want to get a reliable form of insurance that covers as much of your care as possible. However, while you wait to enroll for insurance, a short-term health care plan can offer some protection. While it has limits, it can also offer you peace of mind and ensure your health is taken care of while you wait.
With Aliera, short-term health plans are flexible, easy to apply for and affordable, making it easier to stay covered until your other coverage begins. Get a quote and find out how little a health plan may cost. Your no-obligation quote will come with no risk and give you the facts you need as you consider your health plan options.
Short-terms plans do not meet government standards, so it’s not advisable to purchase a short-term plan if you have a pre-existing condition. Be on the lookout for the next open enrollment, so you can apply for a major health insurance plan that will save you from government penalties. When purchasing a short-term health insurance plan, you should get one that can be dropped anytime without penalties from the health insurance company.