California Short-Term Health Insurance – What You Need to Know
If you only need coverage for a short period, California short-term health insurance might be the right option for you. Policies are only active temporarily, and term length depends on the state.
While most states offer short-term coverage for up to 12 months and renewals for up to 36 months, California plans are different. In California, short-term health insurance is available for up to 185 days, and it can be renewed for an additional 180 days.
Who Needs Short-Term Health Insurance?
Temporary health insurance in CA is a good option for people who need coverage before regular health insurance kicks in. People who are waiting for their company’s group policy to begin often turn to short-term health insurance. In addition, it’s a popular choice for those who are between jobs, as well as people who have been priced out of the health insurance marketplace.
What You Should Know about Short-Term Health Insurance
Short-term health coverage is more affordable than standard health insurance, but these plans also offer fewer benefits and are often seen as an emergency plan. They cover emergency care but typically do not offer anything extensive in terms of prescription coverage, doctor’s visits, and long-term health needs. In fact, 71% of these plans don’t cover outpatient prescription drugs, 43% have no coverage for mental health services, and 62% do not include coverage for treatments for substance abuse. Maternity care is also not included.
Short-term health insurance policies in CA are not sold on the ACA’s (Affordable Care Act) marketplace and are not ACA-compliant. While the ACA requires that insurance companies cover pre-existing conditions, many insurance companies refuse to offer short-term policies to people who have a pre-existing condition. Others may offer the policy but do not cover the pre-existing condition.
In fact, the ACA even came out against short-term policies, limiting the length. When the ACA was first passed, short-term policies could not exceed three months. While that is no longer the case, each state has its own set of rules regarding short-term health insurance policies.
You also need to consider renewals with CA short-term health insurance. Your policy is not guaranteed to renew, and if you develop issues during the initial policy, your renewal could be denied. If it does go through, your new condition likely won’t be covered.
Due to these issues, temporary health insurance in California isn’t right for all individuals and families. It is important to weigh the pros and cons before deciding to move forward with this type of coverage.
If you are interested in CA short-term insurance, get a quote through HealthQuoteInfo.com. Compare rates and coverage options to find the best insurance policy for your situation.