For those who missed the opportunity to enroll during the Affordable Care Act Enrolment Period and now find themselves without any Health Insurance protection….California short term health insurance (STH) provides temporary protection against catastrophic accidents and unexpected medical costs until a more permanent health insurance option is available. Pre-existing conditions are not covered.
If you didn’t apply for health insurance during the annual open enrollment period (10/01/2013 – 03/31/2014) then STH may be your only option for coverage until the next open enrollment period (11/15/2014 – 02/15/2015). STH is not considered a Qualified Health Plan (QHP) under the Affordable Care Act so you still may be subject to tax penalties when filing your tax return in 2015.
California short term health insurance carriers offer monthly policies with coverage up to six months or daily policies with coverage for as little as 30 days. Coverage can be in force the next business day following receipt of your application. We urge you to get your applications submitted to us no later than 3:00 PM if you would like coverage to start the next business day. Fax all applications to 707-800-7456.
J.C. Lewis recommends using short term insurance for temporary needs only. It is best if you enroll in a more permanent option during the annual open enrollment period, however if you have found yourself without coverage then a short term health plan is better than going uninsured. Unlike the QHP’s offered during the open enrollment period STH plans are underwritten and require you to answer a few medical questions.
Frequently Asked Questions
What if I need coverage for less than 30 days?
The minimum policy period for a California short term health insurance plan is 30 days. You can not apply for coverage for less than 30 days at a time.
What happens at the end of my policy term?
When your HCC short term health plan expires there is a mandatory 75 waiting period before you are able to apply for another policy with that carrier. With Assurant Health there is no re-write limitations so you could potentially have two six months policies back to back with no waiting period in between.
How can I tell if I’m eligible for short term coverage?
- You are not eligible for coverage if you are currently pregnant, an expectant father, or planning on adoption.
- You will not be covered by other medical insurance at the time of your requested effective date.
- You are not a member of the armed forces of any country, state, or international organization, other than on reserve duty for 30 days or less.
- You are able to answer “no” to the medical questions on the application.
How soon can my coverage start?
Coverage can be in effect the day after receipt of your application. We request that you fax your application to us at 707-800-7456 no later than 4:00 PM prior to the date you would like coverage to take effect. We recommend applying online if you need coverage after business hours.