Pre-existing Conditions and Short-Term Medical


Are you looking for health insurance that covers what you need without overpaying for unnecessary coverage? Short-term health insurance offers preventative care, doctor visits, urgent care, emergency room care, and some prescription coverage. 


However, it does not offer coverage for pre-existing conditions. According to Cigna, pre-existing conditions are medical illnesses or health problems that were diagnosed prior to the start date of your health insurance coverage.


Pre-existing conditions include but are not limited to:

  • Diabetes
  • Mental Health Conditions
  • Pregnancy
  • Cancer
  • Asthma
  • Heart Disease
  • Severe Obesity


These types of conditions require extensive medical care frequently. Short-term medical health insurance does not offer plans that provide coverage for individuals with pre-existing health conditions. Due to their limitations, short-term medical plans are not required to follow the Affordable Care Act (ACA) standards. 


Major medical plans that comply with ACA standards must include coverage for all essential health benefits such as prescription drug coverage, pregnancy and childbirth, and mental health services and cover pre-existing conditions.


By limiting the conditions that are covered and benefits provided by short-term health insurance plans, prices stay low. You also have the freedom to customize your plan, depending on your needs.


For instance, if you do not plan on using your coverages often for doctor visits, you can opt for a higher deductible leaving you with a lower premium and vice versa. Doing this will ensure that you have medical coverage in case of an emergency.


If you are uncertain whether you have been diagnosed with a pre-existing condition, we would recommend speaking with one of our health insurance professionals to help determine if you would qualify for a short-term medical plan. 


The process to determine if you qualify is easy. The agent will ask you a set of questions about your health and take the information you have provided into consideration to find the best plan that suits your needs, lifestyle, and budget. 


If you are a qualifying individual you can benefit from a short-term health insurance plan by customizing the coverages to your particular needs and paying a transparent monthly premium. 


As mentioned previously, you are able to choose your deductible to fit your medical necessity. If you would like to visit your doctor a few times, you can select a lower deductible with a higher premium. 


Or if you do not see yourself needing much medical care and only would like the plan as a safeguard, then choosing a higher deductible with a lower premium may be your best route. 


In both of these situations, you are in control of what kind of coverage you want without having to pay for unneeded medical coverages.


Once you have enrolled in your perfect plan, you will also have access to telemedicine through your coverages. You are able to get great health care in the comfort of your own home.


With First Family Insurance, we guarantee high-quality customer service, and our agents are licensed in every state which can help you find the best plans nationwide.


Stop overpaying for your health insurance!


Do not risk being uninsured!


Give us a call today; our agents are always happy to help you.