Short-term medical insurance is temporary health coverage that helps bridge gaps when you’re between long-term insurance plans. In Montana, policies can provide coverage for up to 12 months, helping with unexpected medical expenses.

Coverage generally includes emergency care, hospital stays, some doctor visits, and limited prescriptions. Coverage details vary by policy, so it’s essential to review plan specifics to understand your benefits.

While some policies allow renewals, Montana regulations usually cap short-term plans at 12 months. Check with your insurer to see if you need to reapply or if your plan offers renewal options.

Short-term insurance is generally available to U.S. citizens or legal residents under 65 years of age who are in good health. Keep in mind that short-term plans may deny coverage based on pre-existing health conditions.

Unlike ACA plans, short-term health insurance may not cover pre-existing conditions, preventive care, or essential health benefits. However, it’s often more affordable and provides flexibility for those needing temporary coverage.

No, short-term health insurance plans generally exclude pre-existing conditions, meaning they won’t cover medical issues you had before applying. This is a key difference from ACA plans, which are required to cover pre-existing conditions.

Benefits include affordability, quick enrollment, and flexible options. Downsides include limited coverage, no guarantee of renewal, and exclusions for pre-existing conditions. Short-term plans are best suited for temporary needs.

Costs vary based on your age, health status, coverage needs, and the insurer. Generally, short-term plans are less expensive than ACA plans but offer limited coverage. Premiums typically range from $50 to $300 per month.

You can apply by clicking on one of the options above (Allstate Benefits or United Healthcare). Coverage can often begin as soon as the next day after approval.

No, short-term health insurance is not considered minimum essential coverage and does not meet ACA requirements. It doesn’t protect you from penalties for lack of insurance (though there’s no federal penalty currently).