While you might not have a comprehensive health insurance policy at the moment, that does not mean that you have to go completely without protection. There are many reasons that people do not have such a comprehensive policy, from a lack of money to being outside of the open enrollment period. No matter what the reason might be for you, it should be comforting to know that there are solutions offered thanks to recent Health Insurance Innovations. One of those involves the purchase of a short-term health insurance policy, which can be done at any time of the year.
No Need To Worry About the Open Enrollment Period
Many people today find themselves without health insurance coverage simply because they are outside the open enrollment period. This is a recent addition to the health care scene, and it means that one can only enroll for health coverage during a certain month of the year. If you miss that, then you must wait the next opportunity or hope that you fall into a limited special category. This could mean that you are unable to purchase such a policy for up to 11 months, and that is no good. A short-term policy can be obtained at any time, so there is no need to worry about the time of year that you find yourself needing or wanting to purchase coverage. Terms range from three months to one year, so you be able to get you covered in no time at all.
Lower Premiums Can Be Available
Not only can you subscribe to a short-term health insurance policy at any time of the year, health insurance innovations have made this option even more affordable. If you are one of the millions of Americans who still find themselves without health insurance, it might very well be because of the high premiums. This is an advantage of shorter-term policies. Because they do not contain the extensive coverage associated with more comprehensive plans, you will find that the premiums are substantially lowered. This allows you to get some coverage to fill in a gap, for whatever reason that might, and still have the peace of mind that comes with knowing you will get help when you need it the most.
Flexibility in Coverage
You will also find an added advantage to short-term health insurance policies is that you can see virtually any doctor anywhere in the country. Those who are familiar with traditional types of coverage are well aware of the reality that only certain doctor’s and hospitals can be utilized. That is not generally the case with short-term policies. You will find much more flexibility in terms of where and when you can seek medical assistance. This is, after all, what insurance is designed for. It will give you the peace of mind that you need to know that you will not need to pay large sums of money out of pocket the next time you are in need of medical assistance.
These are just a few of the advantages you will realize with short-term health insurance policies. While not for everyone, they do serve a special purpose to individuals who find themselves lacking in health coverage for whatever reason. If that is you, consider applying for such a policy today.