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Expanded Short Term Health  -  2018 short term health plans

2018 Short Health Plan Review

 

2018 short term health insurance reviews

 

2018 marks an interesting year for short term health plans.

 

We started with a restricted 90 days per Obama's executive action in 2015.

 

August 2nd of 2018, we got confirmation from the Trump administration that the duration was being extended to 364 days.

 

This number was picked on purpose.

 

Essentially it will allow people to buy year round short term health plans.

 

This means that some people will not be in the ACA marketplace.

 

Big impacts in 2018.

 

The new plans are due as early as October 2018 depending on the State.

 

Either way, we have lots of activity with short term plans in 2018.

 

You can always jump to your 2018 short term quote right here:


How to quote Trump short term health plans

 

Otherwise, on to the review of 2018 short term plans:

 

 

Let's get started.


Intro to 2018 short term health

 

So...what does the market look like in 2018?

 

Short term has reverted back to its original intent.

 

Provide catastrophic coverage for a fixed duration of time.

 

Short term is very different from Obamacare.

 

You can find more on that here.


It's very important since it's designed to cover catastrophic needs only.

 

But at a lower cost if you don't qualify for a tax credit!

 

A few key points on 2018 short process:

 

  • Up to 90 days
  • Can cancel in 30 day blocks
  • Simple health history questionnaire to qualify
  • Effective date can start midnight following online enrollment
  • Does not cover preventative, pre-existing, maternity, and outpatient RX
  • Choice of deductible and out of pocket max

 

We'll cover the plan options below!

 

Otherwise, the common reasons we see people get short term in 2018 are:

 

  • Waiting period for new employer coverage
  • Gap coverage before ACA or Obamacare starts
  • Need to show proof of coverage quickly
  • Missed open enrollment
  • Lapse payment on Obamacare and need to get to open enrollment

 

Very traditional uses of short term.

 

We won't have the new expanded short term plans till October at the earliest.

 

Probably more like 2019 open enrollment just based on 25+ years experience.

 

Speaking of which, as licensed short term health agents, there's no cost for our assistance.


Call us at 800-320-6269 or email us with any questions!


2018 short term health durations

 

The fixed duration is 90 days now.

 

You can cancel in 30 day blocks up to 90 days

 

In some areas, the companies would add what they called a 2 x 3 or 2 periods of 90 days back to back.

 

They were two separately policies stacked basically.

 

This stayed within the 90 day restriction that Obama issued in 2015.

 

The 90 days was designed to match the allowed gap in Obamacare coverage without getting a penalty in 2018.

 

Let's take a look at the plans themselves.


2018 short term health plans

 

What do the plans look like in terms of options and designs?

 

It partially depends on your area and carriers available.

 

Here's the lay of the land in terms of plan design.

 

You have 3 main components to choose from:

 

  • Deductible
  • Coinsurance
  • Out of Pocket Max
  • Term Max

 

The two big ones are the deductible and out of pocket max.

 

Let's look at each for 2018 plans.

 

Deductible

This is the amount you pay first before getting help with medical bills.

 

You'll still get negotiated rates for covered benefits (usually 30-60%) when in network.

 

Once the deductible is met, you then go into the co-insurance.

 

Co-insurance

This is the percentage split for expenses after the deductible but up to the out of pocket max.

 

Out of Pocket Max

This is amount you pay up to (plus deductible) before plan goes 100% up to the term max.

 

Term Max

This is the maximum benefit the short term plan will pay up to for covered benefits, in-network.

 

So what about 2018 plans by company?

 

IHC has pretty straight forward plan design:

 

  • Deductibles: $1,000, $2,500, or $5,000
  • Coinsurance: 20/80 or 40/60
  • Out of Pocket: $1,000, $2,000, $2,500, or $5,000

 

UnitedHealthOne has more options in their plan design:

 

  • Deductibles: $1,000, $2,500, $5,000, $10,000, or $12,500
  • Coinsurance: 0/100, 20/80, 30/70, or 40/60
  • Out of Pocket: $1,000, $2,000, $2,500, or $5,000



You can see all the plans and even the brochures from the quote here:



How to quote Trump short term health plans

 

Let's look at the companies available in 2018.


2018 short term health companies

 

In 2018, we have the following two short term companies:

 

  • IHC (partner with Blue Cross Blue Shield)
  • UnitedHealthOne (part of United Health)

 

These are two carriers which don't have significant deficiencies in how their plans are designed.

 

We've seen other companies with very bad plan designs.

 

Bad for the members anyway.

 

Watch out for caps on hospital daily stays.

 

That's a deal breaker!

 

You can get further detail on both companies here:

 

 

There's even a big comparison of the 2018 short term companies here.

 

We don't expect to much change in the carriers available for the year since it usually takes a good 6 months for a carrier to get plans approved by the States.

 

2019 might a totally new deal with the Trump expansion!

 


2018 best short term health

 

So...what's the best short term plan option in 2018?

 

Great question.

 

First, it may be the one that's actually available to you!

 

We don't have both in every State.

 

In fact, in most States, we only have one.

 

In some States, we have none!

 

 

The State list is here:

short term health plans by State

 

Let's assume we have both.

 

In that case, check out our full article on picking the best short term health insurance here.

 

Some quick pointers:

 

  • Plan design
  • Rates
  • Networks
  • Customer Service/Claims

 

Those are things to focus on!

 

Here's are review based on 10's of 1000's of short term policies:



Compare short term health plans

 

Both companies are strong with experience in the short term market.

 

Plan design can be comparable in terms of what is actually covered.

 

It's just the deductible, coinsurance, and out of pocket that differs.

 

Basically, your share of the costs if they happen.

 

Rates really drive the decision.

 

2018 short term health rates can differ depending on age, area, and plan choice.


The only way to check that out is to run the free 2018 rate quote here:



How to quote Trump short term health plans

 


2018 short term health networks

 

Let's touch base on the doctor and hospital networks available in 2018.

 

IHC short term health plans

 

IHC uses the MultiPlan PPO network in 2018.

 

This a large, nationwide network with close to 1M doctors and 4000 hospitals.

 

unitedone short term health plans

 

UnitedHealthOne uses their EPO Choice network in 2018.

 

Another large and nationwide network with 1M doctors and 1000's of hospitals.

 

Both are comparable and robust.

 

The difference is the EPO versus PPO.

They work the same in-network.

 

Out of network, you have no benefits with an EPO other than for a true emergency.

 

PPO is better but functionally, they're pretty similar since the PPO pays very little out of network in non-emergency.


Is There a Penalty in 2018 for short term health plans

 

There is still a penalty in 2018 for having short term health plans beyond 3 months.

 

That penalty is slated to go away in 2019.

 


How to quote 2018 short term health plans

 

It's easy to quote 2018 short term health plans.

 

You can access them here:



How to quote best short term health plans

 

The rates shown are per month up to 90 days.

 

We can cancel month to month.

 


How to enroll in 2018 short health plans

 

Enrollment is very easy with short term plans.

 

You can access the online application through the quote above.

 

It generally takes 5-10 minutes.

 

There's a simple health questionnaire as part of the application.

 

If we can honestly answer "no" to these questions, we generally are approved.

 

We're happy to help with any questions at 800-320-6269 or by email.

 

There's ZERO cost for our assistance as short term health agents.

 


Review of 2018 Short Term Health Plans

 

This may be the quiet year before the storm for short term health plans.

 

2019 could see big changes with the recent Trump expansion:



3 changes to short term health plans

 

As for 2018, it's business as usual.

  • 90 day durations
  • IHC and UnitedHealthOne depending on area
  • 2018 Penalty for short term coverage over 90 days
  • Lower pricing if you don't qualify for a tax credit
  • Simple underwriting with health history questions
  • Catastrophic coverage design.

 

The same elements that have drawn people to short term for decades.


Even though the new expanded short term plans can start as early as October 2018, we don't expect to see them till Open Enrollment of 2019 (January).


It's takes that long for companies to build and submit the plans.

 

Not to mention the States have to approve them.

 

We'll keep everyone up to date on that process for 2019.

Which will be here before you know it!

 

Quote the 2018 Short Term Health Rates by company here

 

Again, there is absolutely no cost to you for our services as licensed Short term health agentsCall 800-320-6269 Today!

 


 

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