Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

9.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 4.00

Short-Term Plans

The rising cost of healthcare in the United States has made it difficult for many Americans to afford the care they need. Shortterm medical insurance plans are an increasingly popular option for coverage. These medical insurance plans are designed to provide coverage for a limited time period. This could be anywhere from  one and twelve months. These plans are often offered to people who are between jobs, waiting for new coverage to begin, or simply need temporary coverage for a specific event or situation.

They typically provide coverage for the following medical expenses :

  • doctor visits
  • hospital stays
  • prescription drugs
  • and other necessary medical services

Shortterm health plans are typically much less expensive than traditional health insurance plans and offer fewer benefits. They usually dont cover preventive care, preexisting conditions, or mental health services. Additionally, they often have higher deductibles and copayments than traditional plans.

How to apply for Short-Term plans

When purchasing a shortterm plan, its important to consider the coverage you need and the costs associated with the plan. Its also important to understand the terms of the plan and any exclusions or limitations that may apply. When applying for shortterm health insurance, youll typically be required to answer a few healthrelated questions. Its important to be honest when answering these questions, as any misrepresentation could lead to a denial of coverage or invalidate your policy.

Short term medical coverage can turn you down if you do not meet the eligibility requirements. The eligibility requirements vary depending on the insurer and the plan you are applying for. Make sure so you read the plan‘s description carefully. Additionally, some plans have preexisting condition exclusions, so if you have a pre-existing conditions you may not be eligible for coverage.

The cost of shortterm health insurance varies depending on the type of coverage and plan selected. Generally, the premiums for shortterm health plans are lower than traditional health insurance plans. However, these plans also typically have higher deductibles and less comprehensive coverage. Additionally, shortterm health insurance plans are not subject to the same regulations as traditional health insurance plans, so they may not cover some medical costs, such as preventive care and mental health services.

Is Short-term coverage right for me?

Shortterm plans are ideal for those who are healthy and dont need a lot of coverage. These plans are typically less expensive than traditional health plans and provide coverage for a limited period of time, usually three to twelve months. They are often a much more costeffective option for those who dont require extensive coverage.

Another group of individuals who may find shortterm health insurance plans to be beneficial are those who are selfemployed. These plans can provide protection against unexpected medical costs, allowing for more financial freedom in the short term.

Finally, shortterm plans are great for those who are between jobs and dont yet have an employersponsored plan. These plans can provide coverage until an employersponsored plan becomes available.

No matter the reason, shortterm health insurance plans are a great option for individuals looking for temporary coverage. These plans are typically less expensive than traditional health plans, and provide coverage for a limited period of time. They are ideal for those who are healthy and dont need a lot of coverage, selfemployed, or between jobs and waiting for an employersponsored plan to begin. If you think you wont qualify for a short-term plan , you should look into The Marketplace for coverage options. 

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