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Vera Health FAQ



1. What is short-term health insurance?

Short-term health insurance is an affordable health insurance option for those who do not need all the coverages mandated in the Affordable Care Act (ACA). These plans appeal to people who are self-employed or need temporary insurance for three months to three years (depending on state law). Limited coverages and narrowed benefit maximums can result in lower premiums than many ACA-compliant major medical options.

2. Do short-term health insurance plans cover pre-existing conditions?

Short-term health insurance plans offered by Vera do not cover pre-existing medical conditions. If you have a pre-existing condition, then an ACA-compliant major medical plan would be a better option for you. For a full list of what we do and do not cover, please see our plan limitations and exclusions. Make sure to check your policy carefully so that you are aware of limitations regarding coverage for pre-existing conditions or health benefits.

If you aren't sure whether you have a pre-existing condition or not, we’d be happy to chat with you and help you find the best health insurance to meet all of your needs, even if it’s not with us. Call us at 1-844-961-9645 to speak with a Vera Health expert for clarification on any of your questions.

3. What does a Vera short-term health insurance policy cover?

Your short-term health insurance provides:

  • Flexible deductible and coinsurance options
  • Personalized coverage periods
  • Access to the national Aetna Open Choice PPO Network of doctors and hospitals
  • Access to Telemedicine services through a LIFE Association Membership to connect you with doctors 24 hours a day, 7 days a week
  • Benefits for doctor visits and some preventive care
  • Emergency room and ground ambulance benefits
  • Urgent care benefits and more

4. How do I know if short-term health insurance is right for me?

Finding the right health insurance can be confusing. With so many options, you may not know where to begin. If any of the following six scenarios apply to you, short-term health insurance may be right for you:

  • Your employer does not provide health insurance
  • You’re self-employed
  • You’re an entrepreneur, freelancer, small-business owner, or drive for a rideshare service
  • You’re currently in-between jobs
  • You don’t have any chronic pre-existing conditions
  • You’re not planning a pregnancy

5. How long can I stay on my parents’ health care plan?

Being in your mid-20’s is an exciting time, but it also brings additional responsibility. Once you turn 26, you can no longer access your parents’ health insurance plan. Short-term health insurance could be a great option for your first individual health insurance plan.

6. How can I get health insurance when I’m in-between jobs?

Searching for a new job can be stressful, but Vera Health can ease your worries by providing you with access to affordable health insurance while you’re in-between jobs. That way, you can dedicate your time to landing your dream career and not worrying about health insurance. Temporary insurance coverage can provide you with access to affordable health insurance by giving you some financial protection from expensive out-of-pocket medical expenses, with coverage for:

  • Doctor visits and some preventative care
  • Emergency room and ground ambulance visits
  • Urgent care visits and more

7. Do short-term health insurance plans cover pregnancy?

Plans offered by Vera Health do not cover any maternity services for pregnant mothers or women who plan to become pregnant. They also do not cover any infertility services. If you are pregnant or planning to become pregnant, then an ACA-compliant major medical health insurance plan is a better health care option for you.

8. Do short-term health insurance plans cover prescription drugs?

Some plan options offered by Vera Health pay benefits for prescription drugs in some states. If your short-term health insurance plan does not include prescription benefits, you have access to a pharmacy discount card with your LIFE Association membership.

9. How do I know if my doctor is in network?

Short-term plans offered by Vera Health provide access to the Aetna Open Choice PPO network, where you can choose from over 690,000 primary care doctors and specialists. If you have a good relationship with your current primary care physician, you can go to MyNatGen.com/aetnaOpenChoicePPO to see if they are in the Aetna Open Choice PPO network.

10. Do short-term health insurance plans cover any out-of-network care?

Yes. Plans offered by Vera Health pay benefits for out-of-network medical services. If you decide to see an out-of-network provider, you will not receive the network discounts on the services, and the out-of-network cost-sharing will apply.

11. How do I find a primary care physician in network?

With the Aeta Open Choice PPO network, you can choose from over 690,000 primary care doctors and specialists across 5,700 hospitals. Search for a provider to find your new primary care physician or specialist.

12. What are the Telemedicine services I can receive?

Did you know that you can reach a doctor 24 hours a day, 7 days a week? When you get short-term health insurance through Vera Health, you receive access to your medical plan through a LIFE Association membership, which provides members with Telemed for LIFE, a convenient telemedicine service. Telemed for Life provides access to affordable treatment for common illnesses through phone calls and video chats without any waiting rooms or lines.

13. Do short-term health insurance plans cover any emergency services?

Unexpected emergencies happen. To help you through life’s crises, our plans pay benefits for emergency room visits. The cost of any emergency room care will apply toward your deductible and coinsurance and is subject to an additional access fee unless you are admitted to a hospital. Our plans also provide a benefit for ground ambulance services ranging from $250-$500 depending on the state in which you purchased your plan.

14. What is the LIFE Association Membership?

LIFE Association is a non-profit, members-only organization that provides lifestyle-related benefits and discounts, including Telemed for LIFE, which provides 24/7 access to licensed physicians who can diagnose and treat common illnesses. Enrollment in the LIFE Association Membership provides access to your Short-Term Medical insurance plan as well as:

  • Fitness programs
  • ID-theft programs
  • Travel perks
  • Entertainment perks
  • Automobile service savings and more

LIFE Association Membership benefits vary by state.

Lifestyle and wellness benefits and discounts are not insurance. Vera Health and National General Accident & Health may receive financial compensation in connection with membership fees.

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