Jeremy Bright’s Post

Short-term health insurance plans are temporary medical coverage typically designed to provide gap coverage for individuals who are transitioning between different health insurance plans or facing a temporary lapse in coverage. Here are some key points about short-term health insurance: Duration: These plans typically provide coverage for a limited period, usually from a few months up to a year, depending on the insurer and state regulations. Coverage: Short-term health insurance plans generally offer limited coverage compared to traditional health insurance plans. They may cover essential health benefits such as doctor visits, hospitalization, emergency care, and some prescription drugs, but coverage can vary significantly between plans. Cost: Premiums for short-term health insurance plans are often lower than those for traditional health insurance, but out-of-pocket costs like deductibles and copayments may be higher. Availability: These plans are available for purchase at any time of the year, unlike traditional health insurance which typically has open enrollment periods. Regulations: Regulations for short-term health insurance plans vary by state. Some states have restrictions on duration, renewability, and coverage requirements to protect consumers. Limitations: Short-term plans may not cover pre-existing conditions, maternity care, mental health services, or other essential health benefits mandated by the Affordable Care Act (ACA). Considerations: They can be an option for individuals who missed the ACA open enrollment period or need temporary coverage, but they are not suitable for everyone due to their limited coverage and potential gaps in essential benefits. Act Now Before It's Too Late! Attention current Short Term Medical Insurance holders: Effective September 1st, this coverage option will no longer be available. Now is your final chance to secure the coverage you need! Lock in your preferred coverage Ensure continuity of your health protection Act now to avoid missing out Don't delay – secure your future health needs today! Contact us to guarantee your coverage before September 1st. Jeremy Bright Phone : 314-724-6922 Email : jbright@myhst.com Website: https://lnkd.in/gvNvX3vH Calendy Link : https://lnkd.in/ga-MShEi

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I want to keep you all in the loop of any significant changes within the health insurance landscape. As such, starting September 1st, 2024, significant changes are slated to reshape the landscape of health insurance, particularly concerning Short-Term Limited Duration Insurance (STLDI) policies. These alterations aim to ensure more stability and reliability in coverage for policyholders. Here's a breakdown of the key changes: ·        STLDI Policy Duration Limitations: STLDI policies will now be limited to a maximum coverage period of no more than 3 months, including renewals and extensions. ·        Issuer and Renewal Restrictions: Policies cannot be sold or renewed by the same issuer, or any issuer within the same carrier group, to the same policyholder within a rolling 12-month period. This regulation intends to prevent policyholders from continuously renewing or purchasing similar policies from the same entity. ·        Applicability Date: These changes will apply to policies sold or issued on or after September 1, 2024. However, policies issued before this date, including subsequent renewals or extensions, may continue to have an initial contract term of fewer than 12 months and a maximum duration of no more than 36 months. These adjustments mark a significant shift in the regulation of health insurance policies, aiming to strike a balance between providing flexibility for short-term coverage needs while ensuring the long-term stability and reliability of health insurance for individuals and families. Keep in mind the short-term market, while significant, is 1 of 5 available to the individual and family consumers. I have permanent solutions in place for this transition as we have been preparing for it for some time now. We have a Plan for Everyone!

Unlocking Short-Term Medical Regulations: Navigating Your Health Coverage Options

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I’m #hiring. Know anyone who might be interested?