• Short Term Health Insurance Blog

  • Friday, November 24, 2017

  • The New Anthem: Short Term Insurance

    Filed Under: Blogging

Out of a job, in-between jobs, just out of college, or looking for a COBRA alternative? You may have to look no further than short term health insurance, which provides vital health insurance coverage for temporary otherwise uninsured periods in life. There are several short-term health insurance plans catering to different purses and requirements. Anthem Blue Cross Short Term Health Insurance is one such plan.

The Anthem Blue Cross plan provides coverage for a minimum of 30 days and a maximum of 180 days, extendable up to 360 days. To be eligible for the plan, you must be under 65 years old, and not eligible for Medicare. Also, you must have been a resident of the United States continuously for the last 12 months.

A range of deductibles, from $250 to $5,000, are available. Although a higher deductible translates into a lower premium amount, it is also important that the insured be able to pay the deductible. So a $5,000 deductible may not work for everyone.

The plan is not a HMO or PPO plan, and does not restrict the plan holder to a particular physician or hospital. That is particularly liberating for those who are in a temporary unemployed period of life. The plan covered unplanned medical illnesses and accidents. The usual exclusions like pre-existing conditions, regular physician visits, and most eye and dental care apply.

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