OnlineNavigator: Short term medical insurance for affluent applicant

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April 3, 2015 by Tony Novak

This video post is inspired by an affluent but temporarily unemployed individual in the NYC area:

1) When keeping comprehensive coverage is more important than saving money during a period of unemployment, use one of the most popular regular individual insurance plans available through the commercial insurance exchange (assuming eligibility). In this case, we agreed that Blue Cross was the obvious choice.

2) Short term medical insurance products cost about half the price of regular individual insurance but are not similar to the previous group insurance plan.

3) If doctors are not in-network with the short term individual insurance plan, explain to your regular providers that this is a temporary situation and ask them to process the claims and take payment as offered as a personal accommodation to you, a good long-term patient. 

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