Georgia’s Top Short-Term Medical Insurance Experts
Short-term medical insurance is a type of temporary health coverage that bridges the gap in coverage between longer-term insurance plans. At Affordable Medicare Solutions, we help you compare rates, benefits and insurance providers to obtain the best health insurance coverage for your needs. Our friendly, knowledgeable staff has decades of experience providing free, independent healthcare recommendations. Explore your short-term medical insurance options at our Georgia office or over the phone.
How Short-Term Medical Insurance Works
Short-term medical insurance plans are typically one-month policies that you can renew for up to 90 days. Also called short-term health insurance, coverage includes services like basic medical expenses, doctor visits and emergency care. Generally, short-term plans are not as comprehensive as long-term coverage (such as Medicare insurance or a family health insurance plan). Many people find that using a short-term plan is a good strategy.
In most cases, short-term health insurance will have lower monthly premiums compared with long-term plans, though coverage often comes with higher deductibles and copayments. However, with a range of plans available from reputable insurance companies, it is possible to find a plan that aligns with your health and financial requirements. The team at AMS will evaluate short-term insurance plans and offer personalized recommendations that combine affordability and coverage benefits.
We can help you with Short-term coverage through Allstate, Medico-Wellabe and Uhone.
What Short-Term Health Insurance Covers
Short-term health insurance does not typically offer the same level of coverage as a long-term plan, yet it still provides many essential medical services.
- Emergency care for illness or injury.
- Inpatient hospital stays and treatment.
- Visits to primary care physicians and specialists.
- Costs for surgical procedures and hospital fees.
- Outpatient care for minor surgeries.
- X-rays, lab tests and related services.
While these services are standard with most limited-duration plans, it’s essential that you check the terms before applying for a policy. We can guide you through the benefits, limitations and costs of each plan to identify the right short-term coverage option.
Reasons to Buy Short-Term Medical Insurance in Georgia
Obtaining comprehensive individual health insurance, employer-sponsored coverage, or a Medicare plan is essential to access quality healthcare services and protect against high medical costs. However, there are many situations where short-term medical coverage is necessary.
- Coverage Gaps – Individuals may have temporary gaps before new medical coverage begins. This may result from a job change, a young adult leaving the family health insurance plan and so on.
- Temporary Coverage Required – A short-term plan may be appropriate for seasonal workers, new college graduates, for a temporary relocation and other circumstances.
- Unemployment – If you lose your job, a short-term health insurance plan can offer immediate peace of mind.
- Missed Open Enrollment – A plan can provide health coverage while a person waits for the Open Enrollment Period for ACA-compliant plans.
- Retired Before Medicare Eligibility – An individual may have retired before turning 65 and need temporary coverage.
Short-term coverage will ensure you are protected by health insurance during these and other situations. Due to the simple application process and fast approval, you could obtain coverage within 24 hours.
Why Choose Us for a Short-Term Health Insurance Quote
AMS is an award-winning Medicare insurance agency with over 31 years in the industry, and more than 100 years across our experienced staff. In 2023 alone we won Best of Atlanta, Best of Gwinnett and Best of Georgia.
If you require short-term medical insurance, you undoubtedly want a quick, streamlined process and an affordable rate. With access to many reputable insurers and a straightforward approach, we can get you the coverage you need without unnecessary delays. Our founder and CEO Keith Nabb and our dedicated team offer personalized service. You can be assured that we thoroughly evaluate plans to determine the best match for your individual circumstances.
Common Questions About Short-Term Medical Insurance Plans
Are pre-existing conditions covered under short-term medical insurance?
Pre-existing conditions are not typically covered under short-term medical insurance. Coverage is usually limited to illnesses or injuries that occur after the plan begins.
How much does short-term health insurance cost?
The cost of short-term health insurance will vary depending on factors like age, health status, level of coverage and the insurance provider. Temporary health insurance plans are usually among the most affordable options, though it is essential to check out-of-pocket costs.
What services are not covered by a short-term medical insurance plan?
Short-term medical insurance does not usually cover services like preventive care, maternity care, wellness treatments, vision and dental care. Temporary plans are designed to provide help for illnesses and injuries that occur during gaps in coverage.
Contact Us for Short-Term Health Insurance Advice in Georgia
When you need temporary coverage before changing jobs or starting a new plan, contact Affordable Medicare Solutions in Suwanee, GA. We can match you with the best short-term medical insurance plans to deliver fast, cost-effective coverage. Call (770) 945-5261 or request a free short-term insurance quote now.
