Temporary and Short Term Health Insurance

Are you between jobs and find yourself temporarily needing health insurance? If so, TempCare can bridge the gap - whether it lasts a month, six months or 10 months.

Important Note: TempCare is a short-term limited duration health insurance policy and does not constitute minimum essential coverage under the Patient Protection and Affordable Care Act (ACA). Individuals and dependents not enrolled in minimum essential coverage could be responsible to pay federal penalties for the months during which they do not meet individual shared responsibility requirements. Blue Cross and Blue Shield of Nebraska is not responsible for any penalties an individual incurs from noncompliance with the ACA.

TempCare

Get a Quote

TempCare is available to singles and families. It includes coverage for inpatient and outpatient hospital services, doctor’s services, prescription drugs and routine immunizations.

The primary applicant must be age 19 or older. Coverage under this plan is available for a period of 10 months.

Understanding your medical benefits can be challenging. Coverage AdvisorSM will help you compare the costs of different insurance plans based on your expected use of health care services.




HEALTH INSURANCE TERMS



Affordable Care act

The Affordable Care Act (ACA), sometimes called Obamacare, is a federal law designed to make health care more affordable, accessible and of higher quality.

COINSURANCE

The percentage of the bill you pay after your deductible has been met.

COPAY

A fixed amount you pay when you get a covered health service.

DEDUCTIBLE

The annual amount you pay for covered health services before your insurance begins to pay.

emergency care services

Any covered services received in a hospital emergency room setting.

health insurance marketplace (exchange)

The government Website (healthcare.gov) where you can purchase health insurance and see if you qualify for a tax credit (subsidy) to help pay premiums and out-of-pocket costs. 

in-network provider

A provider contracted by your insurance company to accept an agreed upon payment for covered services. 

OUT-OF-network provider

A term for providers that aren’t contracting with your insurance company. (Your out-of-pocket costs will tend to be more expensive if you go to an out-of-network provider.)

out-of-pocket

Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.

penalty

If you can afford health insurance, but choose not to buy it, you must have a health coverage exemption or pay a tax penalty on your federal income tax return.

premium

The amount you pay to your health insurance company each month. 


Preventive services

Health care services that focus on the prevention of disease and health maintenance.

rehab SERVICES

Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.

special enrollment period

The time after the Open Enrollment Period when you can still purchase health insurance only if you have a qualifying life event (losing other health coverage, having a baby, getting married, moving).

specialist

A physician who has a majority of his or her practice in fields other than internal or general medicine, obstetrics/gynecology, pediatrics or family practice.

SUBSTANCE ABUSE DISORDER SERVICES

Includes behavioral health treatment, counseling, and psychotherapy.

tax credit

Financial assistance from the government that helps those who are eligible pay for health insurance. Eligibility is generally determined by household income and family size.

Tiered benefit plan

A health care plan featuring multiple levels of benefits based on the network status of a particular provider.