Short Term Health:
A Smart Choice for the In-between Times
Life happens, job changes take place, health insurances end, and new insurances are set to begin. Sometimes as those events take place, gaps in health insurance occur, placing individuals and families at risk. Now, people no longer have to suffer through the worry of times when a lapse in healthcare occurs. With Aliera’s short term healthcare plan, InterimCare, members can know that their families are cared for regardless of what else is happening.
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What is short term health care?
Short term healthcare is designed for the transition times of life. Whether members are relocating, changing jobs, or simply feel like starting over, they can continue to assure themselves with temporary health insurance for the “what if’s” of life. As the name implies, it is intended for a short period of time, 11 months or less. If a person is going to need insurance for a period of more than 11 months, a comprehensive healthcare plan or standard plan should be considered. Some other names for short term healthcare insurance are short term medical, hospital offerings, emergency medical offerings, and crisis care.
Aliera’s short term health plan offerings
Not designed to act as fully as comprehensive healthcare, the short term medical healthcare plan still gives complete healthcare offerings. Members have access to primary care physicians, urgent care, preventive medicine and visits, telemedicine, specialty services, labs and diagnostics, hospital services, surgical services, emergency room visits, and ambulance services. Depending on the plan, prescriptions may have discounts applied after the member shared responsibility amount (MSRA) has been met. The MSRA acts much like a deductible in a traditional insurance plan.
With telemedicine, doctors are only a phone call away, anytime, anyplace. With temporary healthcare, members have free, unlimited access to a U.S. board-certified doctor by either telephone or video conference who can write a prescription if needed. The type of plan dictates how many doctor’s office visits a member can have during the plan length; but with telemedicine, seeing the doctor just became unlimited, comfortable, and convenient.
Since emergencies are never planned, every plan comes with emergency room and ambulance offerings. As with most traditional insurances, plans kick in after the MSRA has been met. Up to three visits within the 11-month period can be made to an urgent care facility, depending on the plan.
However, because it is a short term interim-care health plan, it doesn’t have everything a standard health plan would possess. Eye exams and vision care are not included. Normal pregnancies, fertility treatments, and infertility diagnosis are not eligible for cost-sharing. People with pre-existing conditions should also consider a different individual plan option.
The difference between short-term medical plans and major medical insurance
Major medical insurance must meet the minimum requirements of the Affordable Care Act including preventive care, a prescription drug program, emergency services, hospitalization, and its associated costs. While carrying major medical insurance can be reassuring during times of transition, the soaring costs of healthcare and rigid open enrollment periods have made it very difficult and often unattainable for many hard-working Americans.
Aliera Healthcare plans are not considered “insurance” which means they don’t have to cut through the red tape required by traditional insurance mandates. Aliera Healthcare plans such as InterimCare allow members to achieve comparable cost assurances during times of transition for short-term healthcare services (including access to primary care physicians, urgent care, preventive visits, telemedicine, specialty services, labs and diagnostics, hospitalizations, surgeries, emergency room visits, and ambulatory services) at a much lower cost because they are supported by a healthcare sharing organization that facilitates medical cost sharing between members.
How Aliera’s short term health care plan works
Similar to a traditional medical insurance, Aliera’s short term healthcare has certain items that are completely eligible at no additional cost to the member. These include telemedicine and one preventive visit per term. Other items have co-expenses, similar to co-pays. Generally, the co-expenses apply after the MSRA is met and is figured at a percentage of the total cost. Members can choose to set their MSRA to either $1000, $2500, $5000, or $10,000.
When considering the next steps of life, people shouldn’t let the question of healthcare keep them from being bold. With Aliera Healthcare’s short-term InterimCare, stepping out to the next adventure in life just got easier.