Fast Health Quotes is one of the leading online portals that help insurance buyers compare quotes from different providers. If you are thinking about buying Cigna short term health insurance, we can help you compare their plans with that of Aetna, Humana, and other insurers.
What is short-term health insurance?
Short term health insurance offers temporary medical coverage for those who do not own an ACA compliant insurance. These plans offer limited coverage, when compared to traditional insurances, but offers protection from unforeseen accidents and illnesses. It helps individuals between jobs and those who are outside the enrollment period to claim coverage in the event of an emergency. The premium plans start from as low as $51 per month, and the benefits go up to $2,000,000.
The premium you pay for a short term plan may vary depending on the type of plan you choose, level of coverage, including deductible and coinsurance, etc. You can opt for coverage for anywhere from 30-364 days and can cancel the plan anytime without penalties. However, these plans are not for individuals with pre-existing conditions and pregnant women. Since this policy does not offer coverage for all medical services, you must be prepared to copay partly or wholly for healthcare services in certain cases like dental care, maternity care, vision care, etc.
Who needs short term health insurance?
Individuals who are waiting for open enrollment can enroll for a short term plan in the interim waiting period to protect themselves against unforeseen illnesses and accidents. It also offers temporary protection to individuals moving to a new job, as it can take weeks before the insurance benefits could become effective at their next job.
A short term plan is a much affordable option as premiums are extremely low, and individuals can cancel their plan at any point without facing any penalties. You may also consider this plan if you turned 26 and are trying to come off of your parents' insurance.
Does Cigna offer short-term health insurance?
Only private insurance companies sell short-term healthcare plans, and these policies are not available in the Health Insurance Marketplace, as these do not comply with the Affordable Care Act (ACA) guidelines. If you wish to buy a short term medical plan, you need to research for private insurance companies available in your area that offer short term health care. At this point, Cigna does not offer short term health plans, but you can always look for other private insurers in your area that offer short term plans and ask them for quotes.
Can I buy short-term health insurance?
Yes, you can buy a short term health plan, if you are a US citizen and if you missed your open enrolment for an ACA compliant insurance. You may also buy this plan if you are between jobs or if you do not own an ACA compliant insurance.
Do you wish to compare and buy one of the best Individual and family health insurance plans? Visit Fast Health Quotes to get quotes from top insurers in the country. Speak to one of us today for more details on Short-term disability insurance claim, Cigna short term health insurance, and other temporary medical care plans.Cigna Short Term Health Insurance