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Finding Short Term Health Insurance in Miami Florida

Short Term Health Insurance In Miami Florida

Because of recent government changes, short-term health insurance has become a more attractive health plan option for those who are seeking immediate, albeit temporary solutions to health coverage.  Unfortunately long-term health plans can be costly, and accidents, illnesses, and injuries don't always occur during the time period a health plan comes into effect. 
If you are like most Miami Floridians, being without healthcare coverage that can help pay the expenses of those in between periods is not a risk they can afford.  It is a mistake few are willing to make, especially considering the availability of affordable short-term options.  For this reason, many families have turned to short-term or "gap" insurance to obtain the coverage and flexibility they need while they consider their choices for longer-term health coverage.

Good to know:  You shouldn't promptly pay medical bills.  Yes, you read that right.  The reason is, healthcare providers tend to send bills well before the insurance company has decided what part of the claim they are obligated to pay.  The average person sees a bill and thinks they are obligated to pay it.  This couldn't be further from the truth.  Health care companies routinely shoots out bills to everyone one involved - regardless of who is actually responsible for paying it.  You need to know what the insurer is going to pay before you do anything.  Our advice? Don't pay a dime until you get an EOB (Explanation of Benefits) from your insurer that explains your claim and how much they are paying.

What is Short-Term Health Insurance?
Whether it's to bridge the gap between employer group health plans or to search for alternatives to Medicaid and the like, many Americans may find themselves without health insurance for at least a short period of time.  Millions of families have found that short-term health insurance is a fitting solution for health coverage while they explore long-term plans.  Often referred to as "gap insurance," short-term health insurance provides affordable coverage benefits for individuals, their spouses, and their dependents if applicable.  These types of insurance plans cover emergencies, take effect quickly, and are easy to cancel whenever you decide you're ready to move on.

Is short-term health insurance right for me?
Whether or not short-term health insurance is right for you depends on the unique details of your situation.  Consider the following common reasons why many choose to carry temporary medical insurance during their gap periods.  If any of these reasons sound similar to your situation, short-term health insurance might be right for you.

Common Reasons to Carry Short Term Health Insurance
  • Affordability.  Many major health insurance options are expensive for the kind of coverage a family may need.  Short-term might be a more affordable solution. 
  • Medicaid Ineligibility.  Short-term health insurance may often provide coverage to those who might not qualify for Medicaid or lower-cost Affordable Health Care plans. 
  • Employment Gap.  If you receive health insurance through your employer and are between plans or jobs, short-term health insurance can help cover you and your family. 
  • Network.  If you live in a rural area or an area with few healthcare providers, short-term health insurance may help expand your options. 

Will I need gap insurance?
Medical expenses in Miami can become very costly, very quickly.  Whether it's for the occasional accident, a serious unforeseen illness, or simply a wellness checkup, short-term gap insurance is strongly recommended to keep you and your family covered in the case of unforeseen medical emergencies.

Mercy Hospital,Miami,fl health insurance
Mercy Hospital
3663 S Miami Ave
Miami, FL 33133
Telephone: (305) 854-4400

Other articles: 
Is Short-Term Health Insurance Right For You?
Finding Short-Term Health Insurance.
4 Tips to Finding Health Insurance in Jacksonville, Florida

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