Short Term Health Insurance Providers US
From LoveToKnow Insurance
When you need to choose short term health insurance providers, US rankings by A.M. Best should always be taken into consideration. A.M. Best is an independent rating agency. It evaluates United States and Canadian insurance companies every year for financial strength and stability, and assigns a rating from ""A++"" to "D". Here are some "A"-rated, short-term health insurance providers.
A-Rated Short Term Health Insurance Providers US
Assurant Health Short Term Medical
| Policy Limits | $2 million per insured |
| Policy Periods | 30 days to twelve months |
| Deductibles Offered | $250, $500, $1,000, or $2,500 |
| A.M. Best Rating | "A-" (Excellent) |
Assurant Health is another leading provider of short-term health insurance. It was, in fact, the company that introduced the very first short-term health insurance plan, back in 1973.
Assurant Health Short Term Medical insurance is a comprehensive, temporary health plan that provides coverage of up to $2 million. If you are hospitalized, this plan provides an extension of your policy benefits for up to 12 months – with no additional cost to you.
Your Assurant Health short term health plan includes prescription drug coverage for any illness or injury experienced during the policy period. There is no deductible, and no limit on the number of prescriptions you can fill. Your prescription card may get you additional discounts at the pharmacy.
You have the option of using physicians and health care facilities of your choice. However, you may save on your medical costs if you use those participating in the Private Healthcare Systems(PHCS) Healthy Directions provider network.
To be eligible for this plan, you, your spouse and dependants must be younger than 65 years of age. Your dependant children through the age of 24 can be covered on the same health plan. If you are a foreign national, you must have lived in the United States at least a year, and must provide proof of legal residence such as a visa or green card.
You have a 10-day free look period, during which you can choose to decline the coverage and get a full refund of your premiums. However, the $20 application fee will not be refunded.
HPA Secure 12x3 Short Term Medical Insurance
| Policy Limits | $2 million per insured |
| Policy Periods | 12 months up to 36 months |
| Deductibles Offered | $500, $1,000, $2,500, and $5,000 |
| A.M. Best Rating | "A" (Excellent) |
The HPA Secure 12x3 Short Term Medical plan is provided by the Standard Security Life Insurance Company of New York.
With this short term health insurance plan, you have the option of applying for up to three consecutive twelve-month policy periods – hence the name "12x3 Short Term Medical." In effect, you can extend your coverage for a total of up to 36 months. This is in contrast to other insurance providers who require that you sign up for a new policy if you need to extend your coverage.
This coverage is only available for applicants up to 65 years of age. You can also apply for this coverage for dependent child under the age of 19, or a full-time student under age 25.
Premiums can be paid monthly or in full, and you have the option of canceling your policy at any time. If you do not know how long it you will need the short-term coverage, you should choose the monthly payment option. In this case, you will be able to cancel the coverage at the end of any given month within the policy period. If you choose to pay in full for a longer period and then need to cancel the policy before that period is over, you will be denied a refund of your premium.
There is a $25 co-pay for doctor office visits. You also receive a discount on vision care and generic prescription drugs. You have the option of selecting a $500 Supplemental Accident Option.
Golden Rule Short Term Medical
| Policy Limits | $1 million per insured |
| Policy Periods | 30 days to six months |
| Deductibles Offered | $250, $500, $1,000, $1,500, or $2,500 |
| A.M. Best Rating | "A" (Excellent) |
Golden Rule Insurance is a UnitedHealthcare company, and one of the leading providers of individual health insurance.
Golden Rule's Short Term Medical plan provides temporary health insurance coverage for periods of up to six months. You have the option of applying for another one- to six-month policy period if your initial policy expires and you still require health coverage. You also have the flexibility of canceling your Golden Rule short-term health plan whenever you need to with no penalty.
With this health plan, you have access to UnitedHealthcare's nationwide network of doctors and health care facilities, which provides significant discounts. You also have the flexibility to drop your short-term coverage whenever you need to with no penalty.
Golden Rule's Short Term Medical plan extends your coverage for an additional 12 months in the event that you are hospitalized during the policy period.
More Short Term Health Insurance Providers US
- Celtic Short Term Insurance
- Liberty Select Short Term Medical
- Anthem Blue Cross and Blue Shield Short Term Insurance
- Medica Direct Short Term Insurance
- Quick Net Short-Term Insurance
Choosing a Short-term Health Insurer
If you are shopping different short term health insurance plans, be sure to review the A.M. Best website for the short term health insurance provider's United States financial ranking.
Additional resources to shop for short term health insurance:
This page has been accessed 116 times. This page was last modified 19:24, 25 March 2008.
© 2006-2008 LoveToKnow Corp.
