If you’re in need of short term health insurance, Anthem Blue Cross & Blue Shield now offers these policies in many areas of the country.
Our clients prefer shorter duration health plans for many reasons. Cost, network availability, benefits and flexibility are a few of the main factors. We discuss what you can expect from Anthem’s short term policies below.
In most States, coverage can be purchased to cover up to 364 days at a time. You can later apply for another 364 day term if you wish. All policies are medically underwritten – you can be turned down if you have certain health conditions. Anyone can apply, however, and coverage is available year round.
- Covered Preventive Care Visits
- Prescription Drug Coverage Included
- No Referrals For Specialists
- Large PPO Network of Providers
- Low Deductibles & Copays
- Urgent Care & Telehealth Included
- 1 Million Policy Maximum
- Coverage For Preexisting Conditions
Anthem offers six plans to choose from with varying benefits of each. All plans have a maximum benefit per insured per term of $1 million dollars. Depending on the plan you select, deductibles range from $1,500 to $7,500, PCP copays are $20-$45 each, and specialist visits are $70 across the board.
There are four Tiers for prescription drug copays on each plan. There is no deductibles and low copays for Tier 1 & 2 drugs. Tiers 3 & 4 are subject to the plan deductible and have higher copays once the deductible is met.