What is a Short Term Health Insurance Plan

The idea of short-term health insurance may sound weird, but it could be just what you need.

Short-term insurance is just what it sounds like. A form of health insurance plan that allows you to be covered for a shorter period of time, often known as temporary health insurance. There are several reasons why this may be a great option for you, however, there is a single requirement, you must be under the age of 65 and still considered healthy.

So, why might you choose short-term insurance?

  1. First of all, if you are not able to afford the Affordable Care Act (ACA) or you missed Open Enrollment and don’t qualify for special enrollment, then a short-term insurance plan may be just what you need until you can apply next or you’re waiting for your ACA coverage to start
  2. If you’re wanting to be covered as a bridge to Medicare, this may be the perfect solution while you wait,
  3. If you’re 26 and just coming off of your parent’s insurance, a short-term insurance plan may be the perfect solution until you find a more stable plan.
  4. Lastly, if you’re in between jobs that did and will offer health insurance, a short-term plan may be the solution to ensure you are covered until the plan with your new job starts.

Short-term insurance is the perfect temporary plan to help you fill the gap while you figure out a longer-term solution or while you wait for the start of your new health insurance plan to begin.

Importance of Dental Insurance

You’ve got health insurance, but should you get dental insurance too?

Health insurance is heard of all the time, but more people are lenient on getting dental insurance too. Dental health is a very important part of your overall health. The right dental plan can help you, as an individual or with your family, be covered against the many costs associated with dental hygiene and maintenance.

The different plans associated with dental insurance vary depending on the amount of coverage you desire. Basic plans can include normal dentist visits and limited needs, while higher dental care insurance may cover major needed care such as dental implants.

Your choice of dental insurance will allow you to be covered for preventative care including routine cleanings and basic services such as simple fillings or emergency treatment for dental pain. Dental insurances that cover major services may include retainers and root canals.

Depending on your situation, what you can afford, and what you’d like covered, dental insurance is crucial to keep you covered and healthy.