Short Term Health Insurance or ObamaCare for Traveling?
I have few questions regarding the Obama care short term insurance? Please see questions below:
1. I been working in China for the past 2 years and I will moved back to California in March 2015. I will probably start looking for jobs in either New York or California. I was wondering if I could apply for Obama care short term insurance?
2. Can I apply for Obama short term insurance now even I am not currently in the US yet? How long would it take to get a notice of approval?
3. Is Obama Care short term insurance flexible ? For example. I may be in California for few month then I will move to New York. In this case could I switch doctor from state to state?
4. Does short term insurance allow me to see a specialist such as an endocrinologist? Do I have to go through my primary doctor first in order to get a referral?
Answer
Short term insurance can cover you while traveling. If you are legal resident of the US and will have primary address you can also go with a multi-state PPO. Every short term plan is different, so you'll want to make sure your getting a plan that covers your traveling needs. Keep in mind short term doesn't protect you from the fee and doesn't follow all of the new benefits rights and protections. So if you can go with the multi-state PPO it may be a better bet for you.