Short-Term Medical Plans

Getting the insurance you need before Medicare starts.

Short-term medical plans personalized to fit your needs.

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Individuals generally become eligible for Medicare when they turn 65. It could be earlier in certain situations. But what happens if you retire or otherwise lose coverage before you turn 65 and gain Medicare eligibility? There are options for you to fill the gap.

What can cause a gap in health insurance?

There are many reasons why you may find yourself without health insurance prior to becoming eligible for Medicare. This could include early retirement, losing your job, or losing eligibility as someone’s dependent. If you lose your employer-sponsored health insurance, you may be entitled to continue coverage through COBRA if your employer meets certain requirements. Or, depending on your financial situation, you may be eligible for Medicaid. Also, if you get a new job, you might be eligible for insurance under that employer’s plan. Your other option is to enroll in a short-term medical plan.

Short-term medical plans.

Short-term medical plans offer much more flexibility than other plans. You can generally enroll at any time and you could get coverage as soon as the following day. Plans range in length from 1-12 months and, once the plan period ends, you can usually start another plan. These plans can typically be dropped at any time without a penalty. Short-term medical plans also have lower premiums than other plans.

Limitations of short-term medical plans.

Short-term medical plans do not have to accept everyone who applies. There could be a medical exam or lengthy questionnaire and someone could be turned away or services could be excluded due to pre-existing conditions. Also, these plans can choose what types of expenses they wish to cover, so it’s important to fully understand what benefits are included prior to enrolling.

If you’re looking for health insurance to bridge the gap before you’re eligible for Medicare, we can help you sort through the options. Contact us to learn more.

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