Short Term Health Insurance
Life changes, and so do your health insurance needs. Whether you are changing jobs, retiring early, or waiting to become eligible for Medicare, it is important to maintain health coverage for yourself and your dependents.
Why Short-Term Health Insurance Matters
Many people experience gaps in coverage due to:
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Leaving a job before starting a new position
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Waiting for a new employer’s insurance to become effective
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Early retirement before qualifying for Medicare at age 65
Without coverage, even a minor medical event can become a major financial burden. Short-term health insurance can help bridge these gaps.
COBRA Coverage
If you leave your job, COBRA allows you to continue your employer-based health insurance:
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Up to 18 months if changing jobs
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Up to 24 months if retiring early
COBRA guarantees:
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No discrimination based on prior health status
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Coverage for pre-existing conditions
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Same benefits you had while employed
The catch: You must pay the full cost of the premium, which can be significantly higher than what you paid as an employee.
Short-Term Policies as an Alternative
When COBRA is too expensive, short-term health insurance offers an affordable solution for gaps in coverage of 1 to 11 months. These plans provide essential protection, although they have some limitations:
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Coverage is limited to in-network providers
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Pre-existing conditions are generally not covered
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Designed to cover temporary gaps until new coverage begins or until you reach Medicare eligibility
Short-term health insurance ensures you and your family have protection against unexpected medical expenses without breaking the bank.
Protect Yourself and Your Family
Professional Benefit Solutions can help you find a short-term plan that meets your needs and provides peace of mind while you transition between jobs, retire early or await Medicare eligibility.
Our Customers
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“Professional Benefit Solutions helped me with my Medicare Advantage plan and has always taken the extra steps to make sure I knew exactly what I was applying for. They explained the difference between a supplement and an advantage plan and offered me a plan that best suited my needs. They are professional and are always available when I have a question or need help with my insurance questions. I would recommend them to anyone who is turning 65 or who just needs insurance explained to them.”
– Mary, Advantage Plan Client
Younger Spouse
Life Cycle Changes. When you were married, the fact that one of you was a few years younger didn’t seem like such a big deal. But when you are 65 or older and the one with the job that has the health insurance benefits, retirement can be complicated. At Professional Benefit Solutions we are asked all the time to find a...