Which provides better health Insurance coverage? Traditional Medical Coverage or Short-Term Medical Coverage?
I just transitioned from a student to a worker! In school, my university provided insurance services to me so it was not a big deal. However now I have to look for one myself. My employer says that I can select any type of plan I want and he will pay 50% of it, subject to a $100 per month cap.
I have never fallen sick, touch wood, and have never used insurance.
So, for a person who seldomly visits a doctor, which is better. Traditional: $ 70 per month $1500 deductible $7500 max. annual out of pocket. Roughly 30% Co-Payments an most of the services.
Short Term: $ 30 per month $500 deductible $1000 max. annual out of pocket. Roughly 30% Co-Payments an most of the services.
Traditional +s: No need to pay in bulk, includes dental, vision and life.
Short Term +s: Low premium, deductable and Annual OOP.
Traditional -s: High Premium, deductable, Annual OOP and Co-Payments.
Short Term -s: Need to buy every 6 months, no dent. no life.
This is an excellent question!
In America people are purchasing “Short Term” Policies are opening themselves up to a “world of problems”. You see in the United States we passed a law that enables employees be offered “Cobra” , Cobra is for your “protection”. Let me give you a couple of “What ifs”
a. I go work for ABC Corp. and call up a few “slick” agents who sell healthcare and they sell me a Short Term policy, sounds great!..11months into the policy the Doctor discovers a tumor in my body, and says it is Malignant- I have cancer. So I call my short term company, and they say well your policy ends in 30days, I ask the company can I convert to a Permanente policy, and they say “NO”, because of your medical conditions.
b. Second Ex. I sign up with my employers plan, and I am diagnosed 11months into the plan with Cancer, and I decide to quite employment, I am offered Cobra!. So lets keep going, lets say I pay for Cobra for 18months (until it ends) and I am still having Chemotherapy, and thus un-insurable by health companies. Here is the Good news!!!..I am eligible for HIPPA coverage !!!..”lifesaver”..any company offering health insurance will have to accept me into a HIPPA plan.
As you can see the only way a person can take a risk with a short term policy if they can “See the future”.. and if your crystal ball shows you not needing any health services over your lifetime, then just refuse coverage!..
Do not trust any salesperson, read articles and do your research, Paul Zane’s books are pretty good.
Surry Wood with the Alley Oop!
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