National General offers several different short term health insurance options. They have two broad categories: Policies that are medically underwritten and those that are Guaranteed Issue. The one that fits you best may depend on your overall health.
If you are in good health, then an Essentials or Enhanced PPO plan will be best as it will have lower premiums. If you have a health issue that disqualifies you from those two categories, then a Guaranteed Issue PPO policy might work best. Those with health issues might also consider ACA coverage on the Marketplace if you’re eligible for an enrollment window.
Deductibles range from $2,500 to $25,000 and coinsurance from 0% – 100%. You can mix and match these two features to find the benefits and premiums that best suit your needs. Some plans offer doctor’s office copays while other do not. Generic prescriptions are covered under most plans either at a discount or with a fixed copay.
Short term health insurance plans are much more comprehensive than they used to be. They look a lot like coverage did before the advent of the ACA. In fact, many short term policies can be purchased for up to two years depending on the rules in your State. It’s always best to have your policy end date align with the beginning of new coverage. That could be coverage through work – or when Open Enrollment ACA policies begin at the first of the year.
If you don’t want an ACA/Obamacare plan, then you can apply for a new short term plan. But unless you are guaranteed coverage elsewhere, it’s best not to have a short term plan end mid-year. There are no guarantees you’ll be approved for another one if your health has changed.
There several dental plans available for purchase from National General. These are all indemnity plans that reimburse you for covered service. In other words, you can use any dentist you wish.
You can choose from a Preventive, Intermediate or Plus plan based on your needs and budget. Policy benefits for basic care (fillings) and major services (root canals, etc.) are reduced in the first calendar year, but increase in the second year. Major services do have a 6 month waiting period, but other services do not.
There is no waiting period for preventive services like routine cleanings. Orthodontics are covered, but are also subject to a 180 day waiting period. You can add a Network Savings Card to all plans in order to reduce your out of pocket exposure. This card also gives you vision discounts as well.
National General offers several accident plans to choose from. These plans can be added to a high deductible short term health plan or simply purchased on their own. They are a great way fill-in gaps in all types of major medical policies.
You can tailor these policies to meet you needs. There are several deductibles and benefits to choose from. You can add a basic policy that pays you $2,500 for an Accidental Medical Expense – or one that pays more and covers Sickness and Hospitalizations. Still other plans will pay you in the event of Cancer, Heart Attack and/or Stroke diagnosis. The maximum benefit on any one or combination plan is $10,000 per person and all plans have a $250 deductible.
If you’re Medicare eligible, you know this program does not cover all of your out-of-pocket expenses. That’s why many consumers purchase a Medicare supplement insurance plan to fill in the gaps.
National General offers Supplemental Plans A, F, High Deductible F, G and N in most areas. There prices are very competitive and spousal discounts are available. Like all Medicare supplements, there are no networks to choose from. You can see any doctor you wish. Your coverage is portable and travels with you all across the country.
If you choose a Supplement over an Advantage plan, please keep in mind you may also need a Part D drug plan. We can help you with those as well. National General does not offer Stand Alone Part D coverage at this time, but we have all the companies that do.
We are a full service health insurance agency and we can help you enroll direct in the health plan that best fits your needs and budget. We offer coverage both on and off the exchange from National General as well as several other carriers.
Click on the National General logo at the top of this page or request assistance using one of our inquiry links and we will help you navigate the complex world of health care reform.