With a tight budget, a short-term major medical plan might be your best short-term option for health insurance. Good Neighbor Insurance has a plan with a “No Decline Question.” Almost all plans like this ask, “Have you been declined insurance?”If you answer yes, you cannot enroll. (The change has not been made yet on the online ap. So be assured that if you answer “yes” to the decline question the application will still go through.) This plan has a $50 deductible at urgent care facilities and 80%/20% co-insurance to $5,000 (not $10,000). No Social Security number is required. All legal U.S. residents can apply. The plan is underwritten by an A+ Superior rated carrier that has almost $9 billion in assets. In most states, a full 12 month plan is available. The plan is available in all states but the following: CT, GA, KS, MD, MA, MN, MT, NJ, NY, ND, VT and WA
This is good, inexpensive coverage before you leave the USA for an overseas posting. Or do you need coverage during a short or long furlough in the USA? Do you need coverage for a child attending college in the USA? Do you need coverage while looking for a job that provides health insurance? Or maybe the cost of a long-term major medical plan is out of your reach right now. In any of these cases the “HCC Life STM” formerly “Amigo” will work for you. If you can say “no” to five questions, the most difficult one being listed below, you can apply for this coverage. Here is Question 3 on the online application:
Within the last 5 years has any applicant been diagnosed, treated, or taken medication for or experienced signs or symptoms of any of the following: cancer or tumor, stroke, heart disease including heart attack, chest pain or had heart surgery, COPD (chronic obstructive pulmonary disease) or emphysema, Crohn’s disease, liver disorder, degenerative disc disease or herniation/bulge, rheumatoid arthritis, kidney disorder, diabetes, degenerative joint disease of the knee, alcohol abuse or chemical dependency, or any neurological disorder?
The per-month cost for a 24 year old male with a $500 deductible plan is $73.24. You can get an HCC Life STM short-term quote at https://www.gnshorttermhealthplan.com/ .
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