Short Term Coverage for the Changing Times of Life
How does insurance work when changing jobs or moving? Is it possible to be covered during the in-between times of life? Unity Healthcare offers short term healthcare for those short periods of time in life when, for whatever reason, people are without health insurance.
What is short term health insurance?
Short term healthcare coverage is designed to cover the times between full coverage, covering a span of 11 months or less. Although it is considered temporary, those who use short term medical coverage don’t have to sacrifice their benefits. Unity HealthShare’s short term healthcare coverage includes a number of services and benefits.
Items not covered by short term insurance
Because a short term medical plan is not complete comprehensive coverage, it doesn't cover everything. Unity's short term health plan doesn’t include coverage for: vision insurance, pregnancy, infertility diagnosis & treatment, and pre-existing conditions among others.
How Unity’s short term insurance works
Just like most traditional insurance plans, some of Unity’s expenses are completely covered. It also has a “deductible” called an MSRA. Once the MSRA is met, the insurance kicks in. It also has co-expenses which act like co-pays. These co-expenses usually apply once the MSRA has been met and are figured at a percentage of the cost. Members can choose to set their MSRA at $1000, $2500, $5000, or $10,000.
Because Unity HealthShare is a health sharing ministry, it is not under the same requirements as a traditional insurance company. Its short term healthcare coverage does meet all of the Affordable Care Act (ACA) minimum requirements even though it is ACA exempt.
The times of life when a lull takes place between jobs, panic does not have to ensue. With Unity HealthShare’s short term medical coverage, peace of mind is always available.