The Benefits and Limitations of Short-Term Health Insurance
In today's rapidly changing healthcare landscape, Boise residents may find themselves in need of short-term health insurance for various reasons. Whether due to a gap between jobs, waiting for Medicare coverage to begin, or any other life transition, short-term health insurance provides a temporary solution to ensure continuous protection.

Are you in need of short term health insurance in Boise, Idaho? Explore your options and find the right coverage to meet your needs with Chris Antrim Insurance. With Chris Antrim Insurance, you can ensure the right coverage of your policy.
We are open for any inquiries regarding your insurance needs. Contact us today at (208) 203-7776 for a free quote. We cater to Boise and the Treasure Valley residents!
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Key Takeaways
- Select Health offers Enhanced Short-term plans that are flexible, affordable, and provide coverage for major medical issues.
- These plans are renewable up to three years and can be purchased at any time throughout the year.
- The plans cover doctor's services, hospital care, rehabilitative therapies, and more.
- Pre-existing conditions are subject to a waiting period, and the plans are medically underwritten.
- The Select Health Network provides access to over 5,000 doctors and 65 facilities across Idaho.
Key Features of Short-Term Health Insurance
Short term health insurance in Boise, Idaho offers a range of benefits, including affordability, diverse options, low-cost plans, and instant coverage. With rising healthcare costs and the need for flexible coverage, short term health insurance provides an excellent solution for individuals and families in Boise, Idaho.
- Flexible Duration: The flexibility of short-term health insurance is one of its key benefits. Policies can be purchased for as little as 30 days, or for as long as 364 days in certain states. Depending on state laws, policies may be renewed for longer periods of time.
- Lower Premiums: When compared to standard health insurance plans, short-term health insurance policies often have lower premiums. This makes them a desirable choice for people searching for reasonably priced insurance during transitional times.
- Quick Enrollment: Short-term health insurance plans provide quick and simple enrollment, in contrast to typical health insurance plans that could have set enrollment periods. Upon approval of the application, coverage can frequently start within a few days.
- Broad Network: A lot of short-term health insurance policies give policyholders with access to a wide range of medical professionals, enabling them to receive care from different physicians and hospitals.
Popular Short-Term Health Insurance Providers in Boise
Several insurance providers offer short-term health insurance plans to Boise residents. Here are some of the popular ones:
- UnitedHealthcare: UnitedHealthcare offers a range of short-term health insurance plans with various coverage options and deductibles. Their plans are known for their extensive network of healthcare providers and quick enrollment process.
- National General: National General provides short-term health insurance with flexible coverage durations and competitive premiums. They offer plans with different levels of coverage to suit various needs and budgets.
- Pivot Health: Pivot Health specializes in short-term health insurance plans that can be customized to include additional benefits such as telemedicine and prescription drug discounts. Their plans are designed to provide affordable and accessible coverage.
- IHC Group: IHC Group offers short-term health insurance plans with a focus on affordability and flexibility. Their plans come with different deductible and coverage options, making it easy to find a plan that fits your requirements.
When considering short term health insurance providers in Boise, Idaho, it is important to compare the benefits, coverage options, and network accessibility offered by each provider. Take the time to review the details of each plan and choose the one that best meets your individual needs.
How To Purchase Short-Term Health Insurance
For Boise residents considering short-term health insurance, it's essential to evaluate their specific needs and circumstances. Here's a step-by-step guide to navigating the options:
- Assess Your Needs: Determine why you need short-term health insurance and for how long. Are you between jobs, waiting for employer-sponsored coverage to begin, or transitioning to Medicare? Understanding your needs will help you choose the right plan.
- Compare Plans: Research and compare different short-term health insurance plans available in Boise. Look at factors such as premiums, deductibles, coverage limits, and network providers. Use online comparison tools and consult with insurance agents if needed.
- Check State Regulations: Idaho, like other states, has specific regulations governing short-term health insurance. Be aware of the state's rules regarding the duration of coverage, renewal options, and any limitations on pre-existing conditions.
- Read the Fine Print: Carefully read the terms and conditions of any short-term health insurance plan you are considering. Pay attention to exclusions, limitations, and any additional costs that may apply.
- Seek Professional Advice: Consulting with a licensed insurance agent or broker can provide valuable insights and help you find a plan that best fits your needs. They can explain the nuances of different plans and guide you through the enrollment process.
Limitations You Face When Buying Short-Term Health Insurance
While short-term health insurance can provide valuable coverage, it's important to understand its limitations:
- Limited Coverage: Short-term plans typically do not cover pre-existing conditions, preventive care, maternity care, mental health services, or prescription drugs. This can leave significant gaps in coverage for individuals with ongoing health needs.
- Lifetime and Annual Limits: Many short-term health insurance plans have lifetime and annual limits on coverage, which can result in high out-of-pocket costs if significant medical care is needed.
- Not ACA-Compliant: Short-term health insurance plans do not comply with the Affordable Care Act (ACA) requirements. This means they do not provide the essential health benefits mandated by the ACA and do not protect against penalties for not having ACA-compliant coverage.
- Renewal Limitations: While some states allow renewal of short-term plans, others do not. Additionally, insurers may limit the number of times a plan can be renewed, potentially leaving individuals without coverage if they cannot transition to a long-term plan.
Get Your Affordable Short-Term Health Insurance at Chris Antrim Insurance
In conclusion, short term health insurance in Boise, Idaho provides flexible coverage options, affordability, and quick access to healthcare services, making it an ideal choice for those seeking temporary insurance solutions. With Chris Antrim Insurance, you can ensure the right coverage of your policy. We are open for any inquiries regarding your insurance needs. Contact us today at (208) 203-7776 for a free quote. We cater to Boise and the Treasure Valley residents!
Discover Short-term Health Insurance in Boise, Idaho Today. Select Health offers Enhanced Short-term plans that are flexible, affordable, and provide coverage for major medical issues. These plans are renewable up to three years and can be purchased at any time throughout the year. The plans cover doctor's services, hospital care, rehabilitative therapies, and more. They are a good fit for those looking to purchase a plan outside of the Open Enrollment Period, not eligible for an Advanced Premium Tax Credit or Cost-Sharing Reduction Plan through Your Health Idaho, and seeking lower-cost alternatives. Pre-existing conditions are subject to a waiting period, and the plans are medically underwritten.
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