Do I Need A Hospital Indemnity Policy?

Major Medical: 
Major medical insurance is a comprehensive health insurance plan designed to cover a majority percentage of the medical costs in a given year. Since the Affordable Care Act was implemented, major medical now covers pre-existing conditions and essential healthcare benefits. 

Major medical insurance covers 10 essential healthcare benefits: 
1.    Prescription Drugs
2.    Hospitalization
3.    Emergency Services
4.    Preventative and Wellness Services 
5.    Pediatric Services
6.    Mental Health
7.    Laboratory Services
8.    Rehabilitative and habilitative services and devices
9.    Pregnancy, maternity and newborn care
10.    Ambulatory Patient Services 

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Short Term Medical:
Short term medical insurance is health coverage designed to cover individuals for a pre-determined length of time.  Plans can be substantially less expensive than traditional major medical policies. 

Short Term Medical is a great option for: 
-    Those who missed the open enrollment period for major medical 
-    Those who are looking for a lower-cost alternative to major medical
-    Individuals who are in a probationary period at a new job and waiting for benefits to begin.
-    Students who are leaving parental coverage and more 
These plans tend to be less expensive compared to major medical and has many of the same benefits. 
-    First acting coverage once you apply your coverage can start as early as tomorrow. 
-    Flexible plan term options between 30 days up to 1 year
-    Coverage outside of enrollment period
-    Coverage for an unexpected injury or accident

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