We offer additional services to meet specific needs.
Medical coverage on a 90-day basis
Short Term Health is designed to provide medical coverage on a 90-day basis. If the temporary need continues, in some cases you may apply for one new policy within a 12-month period. It’s important to realize that there is no continuous coverage between policies. That means any medical condition that may have existed or occurred under one policy will be a pre-existing condition under the subsequent policy, and therefore, will not be covered under the subsequent policy. Pre-existing conditions include advise, diagnosis or treatment of in the last 5 years.
When is short term medical insurance appropriate?
- Temporary or seasonal workers
- A few months until Medicare eligible
- Recent graduate
- Between jobs, on leave from work, or recently laid off
- Waiting for an individual policy to get issued
- Entering the job market
- Starting a business
If you have lost your individual coverage or did not purchase a plan, this is your only option until October 1. You can begin the application process right now by clicking here to follow this link to secure a short-term policy.
Your most basic safety net.
Purchasing a catastrophic plan is a great idea, it covers you for the big expenses, not for everyday doctor visits. When you purchase a catastrophic policy it has a maximum out of pocket and you will have to pay for your doctor visits. Your premium will be much lower with a catastrophic plan than a plan with doctor visits. Because you are not paying for your doctor visits up front, you pay for them as you go. But if you have a “surprise” illness or injury you will have a maximum out of pocket you will have to pay and then the insurance company pays he rest of the bill. With these plans many are HSA eligible so you can tuck money into a bank account for the everyday or major expenses as you need them. Catastrophic insurance does cover your preventative visits at 100%
Eye care add-on policy to your health insurance plan.
The health of your eye is covered by your Health Insurance example glaucoma and macular degeneration. Vision insurance is if you need glasses and eye exams other than for medical reasons. We have several packages available depending upon you needs and location.
Many dentists will tell you that they take your dental insurance; however, they omit that nearly all insurance is out-of-network. For your best coverage, we work with many dental insurance companies to match up the best options and plan for you.
Lucky you! Add some sound planning to that luck!
Most current insurance plans provide their most robust benefits within a defined regional area. If your travels take you to another state for part of the year, of that well-earned cruise of the Mediterranean, your current insurance may not cover you, or may only cover a small fraction of medical expenses if they come up. We can help you size up short-term travel health insurance policies to cover you wherever your adventures lead.
Get in touch
(503) 488-5522 or (866) 465-1079
Insurance is confusing and can be very expensive. Our health insurance brokers will simplify it for you.
Appointed with every carrier, we provide clients with a real comparison shopping experience.