• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

Vim Ch'i

Don’t wait to lose weight.

  • Home
  • About
    • Frequently Asked Questions
  • Shop
  • Blog
  • Diets
    • Carnivore Diet
    • Intermittent Fasting
    • Ketogenic Diet
    • Low Carb
    • OMAD
    • Herbalife Tea/Herbal Tea
  • Financial Wellness
    • Credit Card Debt
    • Health Insurance
    • Life Insurance
  • Contact
You are here: Home / Financial Wellness / Health Insurance / Getting Health Insurance with 6 Months Coverage — Ideal or Not?

Getting Health Insurance with 6 Months Coverage — Ideal or Not?

December 30, 2021 by Janey Danes Leave a Comment

health insurance 6 months

Health insurance 6 months coverage is a temporary type of health plan. However, it’s better than no coverage at all. This is typically the best option when you have the greatest amount of need but with little resources. What you’re experiencing may be an unexpected turn of events (or maybe they are expected), the right short-term insurance can help you through those times.

Related: What is the Yearly Cost of Health Insurance?

Why Would You Need a Health Insurance 6 Months Coverage?

6-month health insurance can be useful for the following situations:

  • Unemployed or temporarily laid off
  • Young adults with no coverage from a parent’s health insurance plan
  • Waiting period
  • Retired early
  • Discharged from the military
  • Missed the Open Enrollment

What are the Benefits of Short-Term Health Insurance with 6 Months Coverage? 

Flexible

Several health insurers offer short-term health insurance policies. Some of them have a 6-month plan while others have a shorter coverage, like 3 months. Others can provide nearly 3 years of coverage. However, the first coverage period can’t go beyond 364 days.

You can also re-apply. Your coverage may also change when you reapply.

How long you’ll be covered by this short-term insurance will depend on the state’s regulation. If you can obtain such coverage, the plan is subject to pre-existing conditions and medical underwriting.

Unlike regular health insurance, you can drop your plan without penalty.

What is Health Insurance with 0 Deductible?

Affordable 

Because this type of insurance is just temporary, the monthly premiums are lower than the ACA health insurance premiums. But, just like the ACA plan, if your deducible is higher, the monthly premiums are lower.

What are the Cons of Having a 6-Month Health Insurance Plan? 

health insurance 6 months -- is it for everyone

This type of health insurance isn’t for everyone. It has some drawbacks that you need to be aware of. Remember that this isn’t a comprehensive plan so you are not entitled to receive the same rights and protections as ACA health plans.

Another disadvantage is that this plan isn’t compliant with the ACA. In that case, it doesn’t have to cover preventive care, maternity, pre-existing conditions, and mental health services.

There’s no limit on the out-of-pocket costs you can pay for your medical care. However, it still depends on the short-term plan you obtain. Each plan is subject to the regulations of the state.

And, as mentioned earlier, this temporary insurance will only cover you for less than 12 months when you first sign up. However, you can re-apply for new coverage after the initial coverage period has ended.

It’s not a permanent solution. That’s why it’s called temporary coverage. It can’t be used as a permanent solution to your health insurance needs.

How Much Does the Employer Pay for Health Insurance?

How Much Does 6-Month Health Insurance Cost? 

The cost of this type of insurance is relatively lower than an ACA plan or employer-based coverage. The average cost is $124 a month. You can find plans with limited coverage. Or you can choose to buy a plan with catastrophic plans because of high deductibles.

Unfortunately, the costs are inconsistent, making them confusing. Thus, before you even purchase this type of plan, you need to shop and compare each option line by line. In that way, you will know what coverage you can get.

What is Health Insurance HMO?

What is the Coverage of a Short-Term Plan? 

A short-term plan can cover hospital rooms, emergencies, inpatient doctor visits, and other unexpected medical needs, but they are not part of pre-existing conditions.

But many claims are denied because of the confusion associated with how the cover works. Remember that this type of plan has limitations for preventative care. It has high deductibles that can prevent you from getting the coverage until you meet the amount.

What are the Exclusions of Short-Term Health Insurance? 

This type of plan isn’t comprehensive. Thus, don’t expect it to cover a lot of things.

Keep in mind that this isn’t subject to the ACA provisions. Furthermore, it’s not ACA compliant.

And because of its high deductibles and extensive exclusions, you will still be left with nothing to cover for your medical expenses.

Here are some exclusions that many short-term health plans will not cover:

  • Substance abuse
  • Outpatient prescription drugs
  • Mental health services
  • Maternity care

However, some short-term plans may cover one or some of these items. That’s why you must read the exclusions of the policy you wish to obtain.

Is Short-Term Health Insurance Better Than COBRA? 

Before you can compare the two plans, it’s important to understand what COBRA plans are. With COBRA, you can have the coverage you had through your previous group benefits and let you maintain coverage for mental health and pregnancy if the previous plans covered them.

Short-term plan, on the other hand, has less coverage. Plus, it has no essential benefits.

The cost of a COBRA plan depends on the kind of employer-based plan you had or a group plan. In some cases, your previous employer may continue to pay your plan, thereby, reducing the overall cost. Or you may pay the plan yourself fully. The amounts you paid will go to the deductible that will count to the COBRA continuation of benefits.

But this isn’t the same with the short-term plan. Even though short-term health plans are cheaper than COBRA, the former has many exclusions with high deductibles. In other words, you have to pay more before you can be covered.

How to Choose the Right 6-Month Health Insurance Plan? 

There are many things you need to investigate. These are the following:

  • Qualifications
  • Waiting periods
  • Maximum limits
  • Common exclusions
  • Deductibles
  • Copays

It’s vital that you check the coverage and exclusions of every short-term plan before making a decision.

Summary 

A health insurance 6 months coverage is a type of short-term health insurance that can cover you temporarily. It’s not a permanent solution and it has more exclusions than comprehensive insurance. Then again, it’s better than no health coverage at all.

Find out here if veterans can get health insurance for their families.

About the author

Janey Danes Janey Danes started her career as a part-time article writer, editor and proofreader in 2008. She specializes in topics related to health, travel, technology, family, and spiritual life. Danes is a licensed medical technologist and she holds a Bachelor of Science Degree in Information Technology. She is also a contributor to Travel Philippines | Entertainment and Medical Technology Avenue. You can also find her on Google+.

  • More at  
  • logo image

Share this:

  • Facebook
  • Twitter
  • LinkedIn

Filed Under: Health Insurance Tagged With: health insurance

Reader Interactions

Speak Now ... Or Forever Hold Your Peace Cancel reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Primary Sidebar

Deals You Don’t Want to Miss!

Find Your True Love Here


Product Categories

Translate

Vim Ch’i

Vim Ch’i is an online health shop to buy Herbalife Tea (Herbal Tea Concentrate) and other supplements, which bring back your Vim (energy and enthusiasm) and Chi (vital energy to animate the body internally).  We also feature news and tips about Herbalife Tea (Herbal Tea Concentrate), OMAD for weight loss, Intermittent Fasting, Cord Blood Collection, and Health Insurance.

If you wish to contribute articles, infographics, etc. to our website, please email us at admin[at]vimchi.info.

Send Your Love with Flowers!

Subscribe to Blog via Email

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

What’s Hot

  • Herbalife and Intermittent Fasting in 2023: Can You Drink Tea or Shake?
    Herbalife and Intermittent Fasting in 2023: Can You Drink Tea or Shake?
  • What is Herbalife Tea Bomb in 2023? Is It Helpful for Your Health Goals?
    What is Herbalife Tea Bomb in 2023? Is It Helpful for Your Health Goals?
  • Better OMAD Diet Results in 1 Month That Will Make You Feel Wonderful in 2023
    Better OMAD Diet Results in 1 Month That Will Make You Feel Wonderful in 2023
  • 5 Easy OMAD Meal Ideas in 2023 to Stop Feeling Hungry for 23 Hours: #3 the Easiest
    5 Easy OMAD Meal Ideas in 2023 to Stop Feeling Hungry for 23 Hours: #3 the Easiest
  • Will Herbal Tea Break a Fast?
    Will Herbal Tea Break a Fast?

TOPICS

Cord Blood

Cannabidiol

OMAD

Health Insurance

Intermittent Fasting

Health News

Ketosis Diet

Weight Loss News/Recipes/Tips

Herbalife Tea – Herbal Tea Concentrate

Best Natural Remedies

Let’s Be Friends

Let’s Be Friends
  • Vim Chi
  • Frequently Asked Questions
  • Terms Of Use
  • Contact

Copyright © 2023 · All Rights Reserved. Vim Ch'i - For the Love of Health and Wellness

 

Loading Comments...