Offering Individual Dental and Short-term Medical.
Shear Benefits has access to a complete spectrum of Dental and Short-term Medical plans offering comprehensive, competitively-priced solutions to meet your health insurance needs.
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Individual Health
Life Insurance
Critical Illness, Cancer & Life
Wellness Benefit
Fixed Benefit Indemnity
Short-term Health Insurance Frequently Asked Questions
How do I know if Short-term health insurance is a good choice for me?
Short-term medical insurance, also known as Temporary health insurance or Term health insurance, provides a temporary solution to help fill gaps in coverage. Short-term coverage is good for people:
- Between jobs
- Waiting for other coverage to begin
- Waiting to be eligible for Medicare coverage
- Without health insurance, outside of Open Enrollment
Is Short-term health insurance available for families?
Yes, spouses and dependents can be covered under a Short-term insurance plan. However, because Short-term is medically underwritten, all family members will need to meet medical requirements of the plan.
Does Short-term health insurance provide coverage for preexisting conditions?
No. In most cases Short-term insurance plans do not cover preexisting conditions, which depending on your state’s definition would mean something you received diagnosis or treatment for within the last 2 to 5 years.
How quickly can I get coverage?
The earliest a Short-term health insurance plan can take effect is the day after your application is received.
Do Short-term health insurance plans have high deductibles?
Short-term Medical plans offer deductible options starting at $1,000 to meet your needs.
What if I don’t need my temporary insurance coverage for as long as I had planned?
Short-term health insurance plans can be cancelled at any time without penalty. Any premium paid beyond the new termination date will be returned to you.
Can I renew this type of health insurance coverage?
No. Short-term coverage is limited to the duration selected; therefore, it is non-renewable. Durations may vary by state.