Short term health insurance is a temporary medical insurance plan that provides important coverage to protect you from unexpected medical bills.
- 61% of short term health plan buyers just need a temporary coverage solution
- 51% of short term health plan buyers say they would be uninsured if not for the availability of short term medical
- Not only are premiums more affordable, but consider that the average deductible on Pivot was $3,434 — $2,658 less than the average deductible for an ACA bronze plan which was $6,092
- Skip the waiting room and high-cost visit by connecting with a physician at a cost much lower than a standard office visit or convenient care facility!
Who should consider Pivot renewable short term health insurance vs. paying for an individual ACA health plan:
- Individuals and families who cannot afford high-cost Obamacare plans
- Those who miss the open enrollment period
- Temporarily unemployed
- Looking for COBRA alternative
- Adult children losing coverage from a parent’s plan when they turn 26 years old
- Recent graduates who do not have coverage under a parent’s plan
- Employees without group health insurance coverage
- Waiting for employer benefits to start
- Uninsured due to life circumstances
- Not eligible to apply for coverage on the marketplace during the special enrollment period
- Need a more affordable option? Short term medical plans can cost up to 50% less than Obamacare plans, and offer many of the same benefits.
- No PPACA options in your state/area?
- Confused by www.healthcare.gov? Qualifying for Pivot is easy. Apply online in minutes and, in most cases, get instant approval.
Get a quote or download the brochure here >> https://www.gninsurance.com/pivot-us-short-term-health-insurance/
Learn which states are eligible here >> https://www.gninsurance.com/blog/news-and-helpful-links/pivot-short-term-health-insurance-up-to-12-months/
Some additional reasons people choose short-term health insurance
About 7.4% of entrepreneurs launch their own companies each year. Short term medical plans can start in 24-hours and they cost about 50% less than traditional health insurance for those who are starting out/bootstrapping it.
Employer waiting period?
Most companies have a 90-day waiting period before health insurance benefits begin. A temporary short term health plan helps bridge the gap for workers between jobs, or stuck waiting for new employee benefits.
Moving to a new state?
In 2016, 5.5 million Americans moved to a new state. But individual ACA medical plans do not move with them. Short term health insurance can serve as a temporary solution and provide immediate coverage for an unplanned illness or accident.
An option for pre-65-year old retirees who do not yet qualify for Medicare but have too much household income to qualify for a subsidy.
College Students not on parent’s coverage or too old?
Students can stay on their parent’s health plan until age 26, but not all insurance companies cover students attending college out of state. It could be less expensive to enroll the student on short term health insurance for the academic year.
Doctor or specialist not local or part of network?
With Pivot, you can choose your own doctors or locations to receive care. In 2017, 1.9 million individuals with an ACA plan only had one insurance carrier to choose from with restricted provider networks. Pivot Health short term has no network restrictions – all providers are accepted.
More than 825,000 individuals divorced in 2017. For example, statistics indicate around 115,000 individuals lose their health insurance in the months following divorce. Short term health plans can be a great bridge for just 30 days or for multiple months.
When an individual enrolls in COBRA, the individual is responsible for the entire insurance premium plus administrative fees. Short term health insurance is an affordable alternative to COBRA, costing about 50% less.
Plus, COBRA only lasts 18 mos. So if you need more time, Pivot is for you.
Aging off parent’s plan:
Approximately 10,000 people turn 26 a day. Young adults who are no longer dependent eligible on their parent’s plan may not have access to employer coverage. Short term can be an excellent bridge to coverage.
Too wealthy to qualify for Medicaid/Too poor for subsidies:
2.4 million people don’t make enough money to qualify for a tax credit to purchase insurance on the ACA exchanges, yet they make too much money to qualify for Medicaid benefits. Short term is a good fit for low cost coverage.
Unfortunately, like most short term health insurance plans, Pivot won’t cover certain pre-existing medical conditions. It usually isn’t a great choice for people with serious chronic health issues. It is also not available in every state based on each state’s health insurance laws. Additionally, this plan won’t offer coverage for certain types of medical care, including maternity care and preventative services. That’s why it’s always a good idea to read through the terms and conditions very carefully before applying.
To find out if Pivot is right for you and your family, call 480-813-9100 or email us at email@example.com
For more info or to download a brochure, go to: https://www.gninsurance.com/pivot-us-short-term-health-insurance/