Understanding Short Term Medical Insurance

Short term medical insurance, also known as temporary health insurance, is a flexible health coverage option designed to bridge gaps in insurance coverage. It provides an affordable solution for those who need health insurance for a short period, typically ranging from a few months up to a year. Short term plans are particularly useful for people who find themselves between jobs, recent graduates, or those waiting for other coverage to begin.

Key Benefits of Short Term Medical Insurance

  • Affordable Premiums: Short term plans often come with lower premiums compared to standard health insurance plans, making them an attractive option for those on a budget.
  • Flexible Coverage Periods: You can choose coverage for as little as 30 days or extend it up to 12 months, depending on your needs.
  • Fast Approval Process: Enrollment in short term medical insurance is quick and easy, often with coverage starting the day after approval.
  • Broad Network Access: Many plans offer access to a wide network of healthcare providers, allowing you to choose your preferred doctors and hospitals.

Who Should Consider Short Term Medical Insurance?

Short term medical insurance can be a suitable option for various situations, including:

  • Job Transition: Individuals between jobs who need temporary coverage until their new employer-sponsored plan starts.
  • Recent Graduates: Those who have recently graduated and are not yet covered by an employer or do not qualify for other types of insurance.
  • Missed Open Enrollment: If you've missed the open enrollment period for ACA-compliant plans, a short term plan can provide coverage until the next enrollment period.
  • Early Retirees: Retirees under 65 who are not yet eligible for Medicare may use short term plans to bridge the gap.


Coverage and Limitations

While short term medical insurance offers flexibility and affordability, it's important to understand its limitations:

  • Not ACA-Compliant: Short term plans are not required to cover the ten essential health benefits mandated by the Affordable Care Act (ACA), such as maternity care or mental health services.
  • Limited Coverage Duration: Coverage duration is typically limited to 12 months or less. While some plans may offer renewals, it's essential to confirm the specific terms.
  • Pre-existing Condition Exclusions: Many short term plans do not cover pre-existing conditions, so it's crucial to review plan details carefully.


How to Choose the Right Short Term Medical Insurance Plan in Oregon

Choosing the right plan involves considering several factors:

  • Coverage Needs: Assess what kind of coverage you need and for how long. Consider whether you need specific services, like prescription drugs or specialist visits.
  • Budget: Evaluate your budget for both premiums and potential out-of-pocket costs. Remember, lower premiums often mean higher deductibles and out-of-pocket expenses.
  • Provider Network: Ensure the plan you choose has a network that includes your preferred healthcare providers.
  • Plan Terms: Carefully review the plan's terms, including what is and isn't covered, to ensure it meets your needs.


How to Apply for Short Term Medical Insurance in Oregon

Applying for short term medical insurance in Oregon is straightforward:

  1. Research Plans: Start by researching different short term plans available in Oregon. You can compare plans online or speak with an insurance broker to help guide your decision.
  2. Get a Quote: Once you've selected a plan that fits your needs, request a quote to understand the cost.
  3. Apply Online: Most insurance companies offer an online application process. Complete the application, provide necessary documentation, and select your desired coverage start date.
  4. Review and Accept: After submitting your application, the insurer will review it, and you will receive a response within a few days. If accepted, you can begin coverage almost immediately.


Why Choose Us for Short Term Medical Insurance in Oregon?

We are committed to helping you find the right short term medical insurance plan that meets your unique needs. With a range of plans to choose from and personalized support from our experienced brokers, we make the process of finding and applying for coverage as seamless as possible.

  • Experienced Brokers: Our brokers have extensive knowledge of the short term insurance market in Oregon and can provide you with expert advice.
  • Customized Plans: We offer a variety of plans tailored to different needs and budgets.
  • Customer Support: Our team is here to support you throughout the application process and beyond, ensuring you have the coverage you need when you need it.

National General’s Short Term Medical insurance gives you a plan to face those

unpredictable moments in life with confidence. It provides the financial protection you need from unexpected medical bills and other health care expenses, including:

  • Doctor visits and some preventive care
  • Emergency room and ambulance coverage

National General’s Short Term Medical insurance gives you a plan to face those unpredictable moments in life with confidence. It provides the financial protection you need from unexpected medical bills and other health care expenses, including:

  • Emergency room and ambulance coverage
  • Doctor visits and some preventive care
  • Urgent care benefits, and more

Plan Brochure

Provider Directory (Open Choice PPO)

ENROLL ONLINE