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.
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:
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.
Compare the coverage options of Vera Health and Affordable Care Act (ACA)-compliant health insurance. View Benefits Details PDF.
*This does not account for any premium subsidies.
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.