There’s no denying that health care insurance in Lancaster PA is very important. Those who don’t have health care insurance in Lancaster PA are often forced with deciding on whether or not they can afford to visit the doctor. Others without insurance are hit with massive medical bills after emergency hospital visits. Yes, insurance is important, but should you choose either short-term or Long Term health care insurance in Lancaster PA? Let’s take a look at what’s provided with these options and why you may choose one over the other.
Long-term health care insurance in Lancaster PA is arguably the most chosen form of health insurance. As you would suspect, long-term insurance is coverage that you can maintain for several years. Most people keep their long-term coverage until they’re about 65, which is when they’ll be allowed to receive Medicare. Both major and routine medical expenses will be covered under a plan for long term health care insurance in Lancaster PA (i.e. emergency surgeries, scheduled checkups, prescription meds, etc.).
Many people opt to have short-term health coverage. For starters, short-term coverage is much cheaper than long-term coverage and is a lot easier to obtain. Permanent health insurance plans require a lengthy application process and there’s no guarantee you’ll be accepted for coverage. Short-term plans only require that you answer a few questions about your medical history, and in most cases applicants are accepted and approved within a day.
One of the disadvantages of short-term health coverage is the fact that it’s only for those who intend on getting insurance in the near future. For instance, if you’re in-between jobs and you’ve been dependent on an employer-sponsored insurance plan, short-term insurance is right for you. Short-term health insurance also doesn’t cover preventative care, such as flu shots or routine checkups. Most short-term plans last for about 30 days, but some plans will cover you for as much as a full year.
You can find DeverCare Insurance Group for more information about short and long-term health care insurance in Lancaster PA. Again, long-term insurance is arguably the best choice if you can afford it. Short-term health insurance is inexpensive and quick to get, but the coverage you receive is minimal and only for a limited time. Think about the pros and cons and choose the right plan for you.
