Do these temporary Illinois short term health insurance plans provide the same coverage as PPO or HMO plans?
Yes, these are major medical plans. The provide coverage in and out of a hospital. They are not just basic hospitalization plans. Once you meet your deductible and coinsurance they will pay for $1 million dollars of expenses. What happens after I have the plan for six months? After six months, if state law permits, you can renew the plan for another 6 months. However, you must qualify medically again Why are these short-term insurance plans so much cheaper than PPO plans? They do not have to pay a PPO network. The entire administrative structure is much simpler and less expensive to run. Plus, if you have a medical problem they will not renew the insurance. So, their liability is in six month chunks. What about maternity coverage or prescriptions? Short-term health insurance plans do not provide maternity coverage. We have an excellent prescription plan that is available separately. Click on this link for our prescription plan site. What doctors and hospitals can I use? Since there are
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