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Don’t confuse Vera Health with just any insurance company. We don’t want to sell you short-term health insurance if it’s not the best fit for your needs.

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Short-Term Health vs. ACA Major Medical Insurance

Vera does not offer major medical insurance plans compliant under the Affordable Care Act. We keep premiums low by limiting the conditions we cover, including pre-existing conditions, and narrowing maximum benefit amounts.

Most people only concentrate on the out-of-pocket costs when it comes time to select a health insurance plan.

These include:

  • Premium: The amount that you are responsible for paying each month for your health insurance
  • Deductible: How much you will pay before your short-term health insurance benefits kick in
  • Coinsurance: The percentage that you pay for covered services after you meet your deductible

 

We believe you need to weigh these costs against the amount and kind of coverage you can get with either a short-term health insurance policy or an ACA-compliant major medical policy. Here are some things to consider:

How Vera Works

Radical transparency. That’s how we work at Vera. We’re here to streamline the path to Short-Term Medical coverage by giving you the freedom and confidence to choose the best plan for your lifestyle. No mysteries. No fluff. No hassle.

Which type of health insurance covers the following health care services?

Compare the coverage options of Vera Health and Affordable Care Act (ACA)-compliant health insurance. View Benefits Details PDF.

  •  
    Vera Health Insurance
    ACA Health Insurance
  • stethoscope
    Doctor Visits, Urgent Care, and Ambulance Services
     
    Vera Health Insurance
     
    ACA Health Insurance
  • emergency room
    Emergency Room Care
     
    Vera Health Insurance
     
    ACA Health Insurance
  • hospital
    Hospitalization Coverage
     
    Vera Health Insurance
     
    ACA Health Insurance
  • pregnancy
    Maternity Care
     
    Vera Health Insurance:
    Pregnancy not covered, except for complications. Newborn care limited.
     
    ACA Health Insurance
  • mental health
    Mental Health and/or Substance Abuse Services
     
    Vera Health Insurance
     
    ACA Health Insurance
  • prescription drugs
    Outpatient Prescription Drug Coverage
     
    Vera Health Insurance
     
    ACA Health Insurance
  • rehabilitation services
    Rehabilitation Services and Habilitative Devices
     
    Vera Health Insurance
     
    ACA Health Insurance
  • lab services
    Laboratory Services and Tests
     
    Vera Health Insurance
     
    ACA Health Insurance
  • preventative care
    Preventative Care
     
    Vera Health Insurance:
    Limited to no coverage depending on your plan.
     
    ACA Health Insurance
  • pediatric care
    Pediatric Care
     
    Vera Health Insurance:
    No coverage unless mandated by your state.
     
    ACA Health Insurance
  • Enroll at anytime during the year
    Enroll at anytime during the year
     
    Vera Health Insurance
     
    ACA Health Insurance
  • Flexible effective date
    Flexible effective date
     
    Vera Health Insurance
     
    ACA Health Insurance
  • Next-day coverage
    Next-day coverage
     
    Vera Health Insurance
     
    ACA Health Insurance
  • Lower Premiums
    Lower premiums*
     
    Vera Health Insurance
     
    ACA Health Insurance
  • Flexible term durations
    Flexible term durations
     
    Vera Health Insurance
     
    ACA Health Insurance

*This does not account for any premium subsidies.

Is Short-Term Health Insurance Right for You?

Do you have a pre-existing condition?

If you do not have any pre-existing conditions, a short-term health insurance policy may be a great alternative to traditional health insurance for you.

However, If you have a pre-existing condition, an ACA-compliant major medical plan could be the best option for you. The Affordable Care Act requires all major medical plans to include ten essential health benefits, including coverage for pre-existing conditions.

Are you planning to have a baby?

If you’re pregnant or planning for a baby, you’ll want to consider getting a major medical insurance plan that ensures coverage for maternity care. If children are not in your plans, then short-term health insurance could help you save money by providing you with less coverage for medical services that you may not want in the first place.

If major medical insurance better fits your needs, Vera can still help you find the right plan, even if it’s not with us. Call 1-844-873-9264 to chat with a friendly Vera Health expert to learn more about your health insurance options.

  • Health insurance your way! Pay for the coverage you need, not the coverage you don’t.