• Short Term Health Insurance Blog

  • Friday, November 24, 2017

  • Short Term Health Insurance: The IHC-HPA Plan

    Filed Under: Blogging

When you find yourself without insurance from your employer, the temptation to wait it out may be very strong. But a quick sanity check will tell you that living without health insurance in the United States can be very dangerous. Short term health insurance can provide reasonable short term coverage for just those periods in life.

One such plan, the IHC-HPA short term health insurance plan, is available for those under 64 years 11 months of age. You must also not be otherwise eligible for Medicare. If a foreign citizen, you must have been living in the U.S. for 12 continuous months. If you are pregnant, or your spouse is, you will not be eligible for the plan.

The plan offers coverage for periods ranging from one month to six or twelve months. At the end of the plan period, you can renew the plan as many times as you want, as long as you remain eligible for coverage. However, it is wise to consider the plan for stop-gap insurance arrangements, and not as long-term coverage.

The plan offers typical short term benefits, covering sudden or unexpected medical illnesses and accidents. The plan maximum benefit is $2 million. You can choose from a range of deductibles—from $250 to $5,000. The HPA short term insurance plan is a great plan to consider if you are looking for insurance against major healthcare costs.

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