Short Term / Interim Health Insurance in New York
March 11, 2014 1:31 PM Subscribe
I've just moved back to New York from Europe. My European health plan (which covers me for emergencies while I'm in the US) is going to run out in ten days. I am starting a US job with health insurance coverage within the next month or so. Where can I buy coverage for the next month or two to bridge the gap?
posted by pete_22 to Work & Money (11 answers total) 1 user marked this as a favorite
Lots of past questions about short-term health insurance but they're all pre-ACA and it seems like such a state-specific thing, so please forgive one more.
From my googling is sounds like New York is one of a few states that make normal short-term health insurance very difficult to get, in some regulatory way. Indeed, at ehealth and similar websites, when you put in a NY zip code they come back with "nothing available" for short term insurance.
I'm a healthy 32-year-old male with no preexisting conditions and for these purposes I'm only concerned about catastrophic coverage, like if I was hit by a bus tomorrow. So a high deductible is fine. Some overlap with my employer coverage is fine, especially given that I don't know exactly when it would start. I guess my ideal coverage period would be today through the end of April. I'm not that price-sensitive in terms of premium but I can't even find what I want to get a quote.
It looks like I can get "accident" coverage but those sites seem extremely spammy and not like a company I would actually trust to pay a claim. And their payouts are capped pretty low which kind of defeats the purpose doesn't it? And what's an "accident" anyway? Would a sudden severe illness count?
Can anyone recommend a plan, or a company, or a broker? Would a broker even bother with this? Just not sure where to start. Thanks in advance for any suggestions.
(Also, do I have any reason to worry about 'continuity' in this situation? Like if I don't get interim coverage and my employer based health plan sees that my Euro plan expired a couple weeks before theirs kicks in, will that cause me any problems with them?)