SHORT TERM POLICIES An Insurance Alternative to the Marketplace ACA Health Insurance Plans
Has your success priced you out of being subsidy eligible?
Does your spouse have Group Insurance and it’s just too expensive to add you?
Retiring before Medicare and need coverage to bridge the Gap?
Need More "Catastrophic" coverage to protect your bank account from the “What If’s"?
"Short Term Plans" may be an effective option for you. *NEW* Plans can last just shy of Three Years in North Carolina. And NO individual mandate penalty!
These plans stand outside the regulations created for “ Fully Insured Plans “ under the Affordable Care Act. As such, they will not cover Pre-existing conditions (those conditions treated, diagnosed or consultation in the last 12 months), are medically underwritten with health questions and you may be denied coverage.
Copays for doctors and prescriptions may not be covered. HOWEVER–if you qualify–these plans MAY be an effective alternative to ACA Plans. Please complete the confidential fact-finder to get started.
Continuous coverage for one day shy of Three Years. After answering health questions and being accepted, your plan will be renewed annually without new underwriting or health questions. This can be an effective option. Generally 70% less than an ACA plan.
Call or Email Dave Trout or Jessica Cody to Get Started
As your agents, we are committed to providing you accurate and complete information to make an informed decision. Your health, well being and access to medical care is a top priority. Remember, insurance is protection from the unexpected costs of medical expenses. Working together we can determine what solution is right for you.