Short-term plans are not ACA plans. They have pre-existing condition limitations, they don’t cover everything a marketplace plan covers, and in Pennsylvania they last a maximum of four months (a three-month term plus one renewal). If you need coverage for longer than that, we should talk about a marketplace special enrollment period or a private plan instead.
1. Is there a maximum out-of-pocket? The most you can pay in a year. Once you hit it, are you done paying?
2. Is it an unlimited contract? Or does the plan stop paying at $200,000 or $500,000? A quarter of a million dollars is not hard to reach with one serious diagnosis.
3. Is it guaranteed renewable? Can they drop you or make you reapply after a major claim?
If a plan uses words like “deductible” and “PPO network,” that doesn’t automatically make it actual health insurance. These three questions do.
“We had a short gap in coverage because of a job change. Nathan was prompt with his response, talked us through our options and gave us a great service to find short-term coverage to cover the gap.”
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