Short-Term Medical Insurance - Temporary Coverage
短期医疗保险 - 临时覆盖
Outside of the individual market’s annual open enrollment period a short-term health insurance policy might be your best option, especially without a qualifying event. Short-term plans generally provide the most comprehensive coverage available outside of open enrollment.
在个人市场的年度开放注册期之外，短期健康保险政策可能是您最好的选择，尤其是在没有合格事件的情况下。短期计划通常提供开放注册外最全面的覆盖。
Short-term policies have been around for some time. They are a good option for people who are between jobs or waiting for a new employer’s coverage to become effective. Unlike regular individual major medical plans, short-term health insurance policies are not regulated by the Affordable Care Act and their sale is not limited to open enrollment windows.
短期政策已经存在一段时间。它们是那些在换工作或等待新雇主的保险生效期间的人的良好选择。与常规的个体重大医疗计划不同，短期健康保险政策不受《平价医疗法案》的监管，其销售不受开放注册窗口的限制。
When does a short-term policy makes a lot of sense?
短期医疗保险何时最合适？
If you experience a qualifying event that triggers a special enrollment period, you’ll need to apply for an ACA-compliant policy (on or off-exchange) during your special open enrollment period, which lasts for 60 days in most cases. If you opt for a short-term policy instead, you won’t have the option to switch to an ACA-compliant plan after your open enrollment period ends. But, if you miss open enrollment and haven't experiences a qualifying event, a short-term policy will provide you with up to six months of coverage in most states.
如果您经历了一个触发特殊注册期的合格事件，您需要在特殊开放注册期内（通常为60天）申请符合《平价医疗法案》（ACA）的保险政策（无论是在交易所内还是外）。如果您选择短期政策，您在开放注册期结束后将无法切换到符合ACA的计划。但是，如果您错过了开放注册且没有经历合格事件，短期政策可以为您提供最多六个月的覆盖，适用于大多数州。
Short-term plans are typically offered with a selection of premiums, deductibles and benefit maximums. The policies are considerably less expensive than ACA-compliant major medical plans, so you may find that you can afford to purchase a plan with a low deductible and a high-benefit maximum. Plus, healthy applicants can secure immediate individual and family coverage, with plans that can start almost immediately.
短期计划通常提供多种保费、免赔额和福利上限供选择。这些政策通常比符合ACA的主要医疗计划便宜得多，因此您可能能够负担得起低免赔额和高福利上限的计划。此外，健康申请者可以立即获得个人和家庭保险，计划几乎可以立即生效。
The policies also cover a range of physician services, surgery, outpatient and inpatient care. In addition, policy holders can often choose their own doctor and hospital without restrictions, though there may be financial incentives for using in-network providers.
这些政策还涵盖多种医生服务、手术、门诊和住院护理。此外，投保人通常可以自由选择医生和医院，虽然选择网络内的提供者可能会有财务激励。
What short-term health insurance won’t cover
短期健康保险不涵盖的内容
Short-term major medical plans may be a great fit for healthy folks who just need temporary coverage, but the plans weren’t designed to cover everything, and they do not provide coverage for all of the ACA’s essential benefits.
短期主要医疗计划可能非常适合需要临时覆盖的健康人士，但这些计划并不是为覆盖所有内容而设计的，且不提供所有ACA的基本福利。
They typically won’t cover your routine office visits, maternity, mental health or preventative care – and they won’t cover preexisting conditions. They also still use medical underwriting, which means that applicants with serious pre-existing conditions may not be able to get short-term coverage. Be sure to check the list of exclusions on any policy.
它们通常不涵盖常规门诊、产科、心理健康或预防保健，也不覆盖既往病症。此外，这些计划仍会使用医疗承保，意味着有严重既往病症的申请者可能无法获得短期保险。请务必检查任何政策的排除列表。
Give me a call to find out if short-term health insurance is option for you.
如果您想了解短期健康保险是否适合您，请给我打电话。