The best short term insurance plan is the one which provides you lowest rates of premium is a deductible. So at the end you do not have to pay from your pocket. There are many plans which suit different business owners. You need to check and make comparisons between each plan to see which one fits you the best according to your rules and regulations. Down below are such categories of insurance plans that are good for a short term period.
● Economy plan of pivot health
● United healthcare plus elite
● Pivot health standard
● Deluxe plan of pivot health
Economy plan of pivot health
The shortest and lowest premium cost among all three categories of pivot health, the standard version provides lowest deductibles of 3000 dollars. This option is good for healthy personnel. Who just want to be safe than sorry because there are lowest chances that they will get sick or chronically ill ever.
United healthcare plus elite
This short term insurance program provides insurance policies with the coverage of 2 million dollars: this is the maximum benefit that anyone can get from a short term insurance. This might seem a lot but medical expenses and hospital bills can easily exceed this amount.
So God forbid if your health condition ever gets worse than this amount will come in handy. Plus it gives flat copays on the drugs and medicines.
The only con this policy holds is that it charges the highest premiums because the coverage amount is large. Each visit to the doctor can cost you deductibles and the medicine prescription will also cut money from the accumulated amount.
Pivot health standard
The deductibles of pivot health standards come on par in comparison to deluxe ones. The premiums are below the average. The coverage limit is short because it is a short term insurance program. The copays on prescription are also very low. Although the visit to the doctor deducts and costs you money in coinsurance but still the plan holds good money for insurance.
Deluxe plan of pivot health
A plan that is provided with a low rate of deductibles. The pivot health deluxe version is available in three ZIP code regions. At the time of your medical treatment coverage, the pivot health will do it completely.
You do not have to pay out of your pocket at the time of treatment. You will get free drugs and the doctor’s visit will also be free with a pivot health deluxe program.
The consultations of telemedicine doctors are free of cost, that too for unlimited time. The premiums are high and the coverage cost goes upto 500000 dollars only. This is the only con of pivot health deluxe health care.