Short Term Medical Insurance Temporary Coverage

Short-Term Medical Insurance – Temporary Coverage

Get temporary coverage for unexpected gaps, ensuring protection when you need it most.

Short-Term Medical Insurance – Temporary Coverage

Short-term health insurance policies have been available for years, offering a temporary coverage solution for individuals between jobs or waiting for employer-sponsored insurance to begin.

If you are outside the annual open enrollment period and do not have a qualifying event, a short-term health insurance plan may be your best option. These policies generally offer the most comprehensive coverage available outside of open enrollment.

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When Does a Short-Term Policy Make Sense?

If you experience a qualifying life event, you may be eligible for a special enrollment period (SEP), allowing you to enroll in an ACA-compliant plan within 60 days. However, if you miss the open enrollment period and do not have a qualifying event, a short-term health plan may provide up to six months of coverage in most states.

Key Features of Short-Term Health Insurance

Offered with varied premium, deductible, and benefit options
More affordable than ACA-compliant major medical plans
Can include low deductibles and high benefit maximums
Provides immediate coverage for individuals and families
Covers a range of physician services, surgery, outpatient, and inpatient care
Allows you to choose your own doctor and hospital, though in-network providers may offer cost savings

What Short-Term Health Insurance Does NOT Cover

Short-term plans are designed for temporary coverage and do not include all ACA essential benefits. They typically exclude:

Routine office visits, maternity care, and preventive services
Mental health coverage
Pre-existing conditions (medical underwriting applies)

Before enrolling, review the policy exclusions to ensure the plan meets your needs.

Are you a resident of Texas, Nevada, Illinois, or Mississippi? Considering Short-Term Medical Insurance for Temporary Coverage is essential. O’Neal Insurance Group provides free assistance to Las Vegas, NV, and Chicago, IL residents, helping them compare plans, receive personalized guidance, and gain the education needed to enroll in the right coverage.

We specialize in Cancer, ESRD, Stroke, Heart Attack, Medigap, and Critical Illness Insurance in Texas, Nevada, Illinois, and Mississippi. Whether you need Original Medicare (Part A and Part B), Medicare Advantage (Part C), Prescription Drug Coverage (Part D), or plans from AARP, Aetna, BlueCross BlueShield, Cigna, Clover, Devoted Health, Essence HealthCare, Humana, Kaiser Permanente, UnitedHealthcare, WellCare, or Zing Health, we can assist you.

Our services also include ACA Health Insurance Coverage for individuals and families under 65, as well as dental, life insurance, and Part D Prescription Drug plans. We offer guidance on Medicare Advantage plans, including HMO, PPO, POS, SNP, DSNP, and CSNP options.

We serve residents in Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Michigan, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin. Essential coverage is available for Cancer, Stroke, Heart Attack, and End-Stage Renal Disease. Let us help you find the right coverage today!

O'Neal Insurance Group

Las Vegas NV Chicago IL Medicare Health Plan Specialist Insurance Broker Agency

O’Neal Insurance Group is your local Las Vegas, Nevada, Individual and Family ACA, Obamacare, Dental, Vision, Hospital Indemnity, Critical Illness, ESRD, Cancer insurance, and Medicare health plan specialist broker agency with over 38 years of healthcare experience, licensed and certified, serving over 30 States, including Chicago, Illinois. We provide personal guidance in helping you compare, enroll, and educate you on all your individual and family healthcare options, including Medigap, Med Supplements, Medicare Advantage, and Part D Plan options. You can quote, compare, and enroll online 24 hours a day, 7 days a week, without the help of a pushy salesman at any time from the convenience of your home or office. You can also schedule a phone appointment, one-on-one and online, or a Mobile screen-sharing appointment at a convenient time.

3960 Howard Hughes Parkway
Suite 500 PMB 1939
Las VegasNevada 89169

(702) 763-8924

5113 S. Harper Ave
ChicagoIllinois 60615

(312) 348-7209

2953 Bienville Blvd # 303
Ocean SpringsMississippi 39564

(228) 641-2323

6068 US-98 #1 Suite 228
HattiesburgMississippi 39402

(601) 773-3933

We do not offer all plans available in your area. The information provided is limited to the plans we do offer. For a complete list of options, visit Medicare.gov or call 1-800-MEDICARE. This is a solicitation for insurance.