After spending way more time than any normal person would probably spend trying to find a decent short term health plan in Texas, I still only find plans and companies with major red flags of all sorts. Terrible customer service, terrible reliability, sluggish claims processing, claims paperwork obstacle course, billing/accounting incompetence, horrible website quality, etc.
I do not qualify for a special enrollment period right now (and also NO cobra and NO hipaa) so I want some type of ST health coverage until Jan 1st (when ACA kicks in), but all the options I have found thus far are pretty terrible.
The cost is not the issue, its the fact that they seem like swiss cheese plans with massive limitations and exclusions that are difficult to wrap ones head around. IMO these ST plans (at least in Texas) offer only the illusion of coverage.
It seems insane to me that insurers are allowed to sell a policy BEFORE they have confirmed the customer is actually eligible based on medical records. One can only imagine how many people think that they are covered, but actually have no coverage legally speaking.
Maybe the best strategy is to go for a cheap plan from my limited choice of semi-acceptable insurers and then layer onto it multiple supplemental policies (accidental injury, critical illness, hospitalization coverage, etc.) from better companies.
I do not qualify for a special enrollment period right now (and also NO cobra and NO hipaa) so I want some type of ST health coverage until Jan 1st (when ACA kicks in), but all the options I have found thus far are pretty terrible.
The cost is not the issue, its the fact that they seem like swiss cheese plans with massive limitations and exclusions that are difficult to wrap ones head around. IMO these ST plans (at least in Texas) offer only the illusion of coverage.
It seems insane to me that insurers are allowed to sell a policy BEFORE they have confirmed the customer is actually eligible based on medical records. One can only imagine how many people think that they are covered, but actually have no coverage legally speaking.
Maybe the best strategy is to go for a cheap plan from my limited choice of semi-acceptable insurers and then layer onto it multiple supplemental policies (accidental injury, critical illness, hospitalization coverage, etc.) from better companies.