The differences between ACA plans and Short Term plans
Don’t feel bad, this stuff can definitely get confusing. The most important thing to realize is that ACA plans and Short Term plans aren’t the same.A lot of people think Short Term offers all of the benefits of ACA, but at a lower price. Unfortunately, that’s not the case. That said, for the right situation,Short Term insurance plans can definitely provide the fast, flexible and temporary health insurance coverage you might need.
Essential Health Benefits |
ACA Plans | Short Term Plans |
|---|---|---|
| Doctor visits for illness and injury and other outpatient care (ambulatory services) | Yes | Yes. Subject to your deductible or a copay depending on your plan. |
| Emergency Services | Yes | Yes |
| Hospitalization | Yes | Yes |
| Maternity and newborn care | Yes | Pregnancy generally not covered, except for complications. Newborn care limited. |
| Mental health and substance use disorder services | Yes | No coverage or limited coverage, depending on your plan. |
| Prescription drug coverage | Yes | No coverage or limited coverage, depending on your plan. |
| Rehabilitative and habilitative services and devices (relearning to walk after a stroke and improving ability to speak without an impediment) | Yes | Limited. Check your plan |
| Laboratory tests and services | Yes | Yes |
| Preventive and wellness care | Yes | No coverage or limited coverage, depending on your plan. |
| Pediatric services (including both oral care and vision care) | Yes | No, unless mandated at the state level. |
A licensed sales representative is ready to help you find the right plan for you. 1-844-741-4118, 6 days a week.