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Using temporary health insurance, also known as short-term medical insurance, is similar to using major medical insurance: You visit the doctor for health care services and present your ID card. You receive a bill in the mail and pay the amount not covered by your health insurance benefits.
Whether you purchased a temporary health insurance plan for the first time or the first time in a long time, there are a few things you should keep in mind when using your benefits.
Once you receive your plan materials, take time to print your ID card and keep it in a safe and accessible place. This card will provide you with details about your specific temporary health insurance plan and benefits. Be sure to bring it along when you seek health care services.
If you are seeking non-emergency care for services covered by your temporary health insurance plan, it may be worthwhile to look for in-network providers. While short-term medical insurance sold at healthedeals.com may not require you to visit in-network providers, doing so may lower your out-of-pocket costs.
Depending on where you live, certain temporary health insurance plans sold at healthedeals.com may include some members-only benefits from Communicating for America. They include the following:
Although these are not health insurance benefits, knowing about these discounts and services may help save you money on medical expenses. Be sure to read your plan materials closely to learn more, or call a healthedeals.com health insurance advisor with questions.
Nearly all charges will be subject to your deductible, so keep this amount in mind when receiving health care services. Once you have fulfilled your selected deductible, your plan’s benefits will kick in.
Also be aware of any applicable copayments, coinsurance, out-of-pocket limits, and daily plan limits. Review your short-term medical plan’s benefits carefully to see what expenses are covered by its benefits.
When in doubt, call your temporary health insurance plan’s carrier. If you need help understanding your short-term medical insurance policy benefits, finding an in-network provider or anything else, just ask. Getting the information you need up front can help avoid unpleasant billing surprises and ensure you get the right care.
Remember, temporary health insurance plans do not comply with the Affordable Care Act. Obtaining this health insurance coverage will not help you avoid the shared responsibility payment, a tax penalty for those who do not obtain ACA-compliant major medical insurance and are not exempt from doing so.
If you have questions or need help finding temporary health insurance, call 888-839-7679 to talk to a certified health insurance agent from healthedeals.com.
1 Communicating for America brochure