Blog & Journal


Major Misconceptions About The Short Term Health Insurance Illinois

esther.diaz June 20, 2018

Most of the people avoid investing in a short-term health insurance because they feel it be a waste of money which would be of no benefit to them. Maximum people believe that short-term health insurance is not easy to avail as you have to work through a large number of documents and the processes to get the short-term insurance which is not even found to be worth it at the end when you need to get the claims. However, short-term insurance plan could be of great benefit to those who like to travel across different international places, or those who have some gap between the renewal of the permanent insurance plan etc.  There are so many misconceptions which people have about short-term insurance plans may because people have some bad experience with the company or they never meet some good Illinois Insurance Company who could assure with health care benefits at all stages of the insurance term plan.

Lack of coverage: people do not prefer to invest in short-term insurance because most of them are doubtful about the service related coverage. However, in reality, the entire scenario is different as short-term health insurance is of great benefit to any unexpected issues with your health. The insurance plan covers your medical expenses, emergency room requirements, hospitalization charges and the surgery related medical bills. Moreover, you can explore different services for getting additional benefits like preventive care.

Uneasy claims: there are so many people who do not go for a short-term insurance plan because they believe that they are very tough to get the claim against any health-related issue. However, the claim process of the short-term health insurance varies for different insurance companies. There are some insurance providers who could get your much easier claims as compared to the permanent insurance by using your ID provided by the insurance provider. You can claim the insurance and the insurance company will pay for your medical bills leaving only your share which you need to pay as a balance.

No validity/Acceptance: another myth which people have regarding the short-term insurance is the validity of the insurance plan or its acceptance at the medical health centers. However, there is a large number of health providers and hospitals who are reputed and have tie-ups with the insurance company while there is a different type of short-term health insurance plans which even let you decide the medical facility of your choice as a part of insurance plan.

No Customization: there are also some misconceptions about short-term insurance which says that one cannot go for a customization in short-term health care plan or insurance policy. However, you can plan the short term insurance according to your conveniences such as the time period for which you need the cover, the premium which you want to pay for the availed services and the time for payment. You have all the freedom to get your insurance plan customized according to your needs, benefits, and budgets. So there is nothing bad with the short term insurance plan because there is nothing more important than your health, not even money. All just you need to do is do some study in finding the right insurance company which could understand your needs regarding short-term health insurance plan.


Address: 3333 Warrenville Rd. Suite 200 Lisle, IL 60532

Phone: (815) 861-8630

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