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What is Short Term Health Insurance?
Short Term Health Insurance provides major medical benefits in case of an unexpected accident or illness. Whether you need coverage during a transition or gap between insurance or if you are looking for a solution outside of Obamacare, Short Term Health Insurance offers an affordable and flexible option. Different levels of benefits among plans means you choose the right coverage for you. This flexibility makes Short Term Health Insurance very affordable. These plans offer access to a broad range of healthcare providers.
Don’t go unprotected. Get covered and save money. Short Term Health Insurance includes hospital, emergency room, physician, specialist and many other services for accidents and illnesses. Short Term Health Insurance plans available at AgileHealthInsurance are from top insurance carriers, many with a financial strength rating of A+ (Superior) by A.M. Best. The AM Best rating represents an independent opinion from the leading provider of insurer ratings of a company's financial strength and ability to meet its obligations to policyholders.
What is Health Benefit Indemnity Insurance?
Health Benefit Indemnity insurance (HBI) is a health insurance plan that offers financial protection for commonly needed medical services, including hospital and doctor benefits. When you experience a covered medical event, HBI pays a set fee, directly to you or a provider designated by you. HBI also can include supplemental medical insurance coverage for critical illnesses or accidents, as well as non insurance supplemental health benefits such as telemedicine, insurance advocacy, and pharmacy. It is designed to work with a major medical type insurance plan.
Unlike traditional insurance, where you are responsible for paying co-pays and coinsurance , HBI provides you "first dollar" coverage, without co-pays or coinsurance. This first dollar coverage provides you flexibility for managing health care expenses. HBI is typically paid for on a monthly basis and all plans offered on AgileHealthInsurance can be purchased by a simple online application without medical underwriting.
What are Supplemental Health Products?
Supplemental health products are designed to be purchased in addition to a health plan with major medical benefits such as Short Term or ACA/Obamacare. It can also be used in connection with a Health Benefit Indemnity Insurance plan. There are two basic types: supplemental health insurance or non insurance supplemental health products.
The most common supplemental health insurance products are dental insurance, vision insurance, and supplemental medical insurance. Supplemental medical insurance includes critical illness and accident insurances that will pay a set amount when you experience a covered medical event.
The most common non insurance supplemental health products are telemedicine, which facilitates 24/7 access to medical providers, insurance advocacy services, which help you to better utilize your health plan, and pharmacy benefits, which provides you discounts for prescription and over the counter medications.
We guarantee that you always get the lowest price available on all the Short Term health insurance plans we sell.
Our Health Benefit Indemnity insurance plans are designed with our insurance company partners to help with key health services at a competitive price.
AgileHealthInsurance offers over 5,000 Short Term health insurance and Health Benefit Indemnity insurance plans.
We also offer many more supplemental health products such as dental insurance, vision insurance, and telemedicine. Many of the insurance companies offered are rated A+ Superior by AM Best, the ratings leader for the insurance industry.
Shopping for affordable health insurance and comparing prices can be confusing and time consuming so we've simplified it for you.
Our instant approval means that, if eligible, you can be approved in as little as 8 minutes and begin using many of your benefits as early as the very next day.*