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Coverage Details

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 Insurance Coverage

Vera does not offer comprehensive major medical insurance. We keep premiums low by limiting the conditions we cover, including pre-existing conditions, and narrowing maximum benefit amounts. Comprehensive major medical insurance includes more benefits, no lifetime or annual dollar limits, and provides coverage for pre-existing conditions, which is reflected in the premium cost.

When it comes time to select a health insurance plan, there are out-of-pocket costs to consider, including:

  • 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

How Vera Works

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

What Does Short-Term Health Insurance Cover?

See the chart below to understand what short-term health insurance through Vera covers and what it doesn’t.

*It's important that you understand what is covered and not covered by our plans. For the complete listing of non-covered services, please refer to our full list of limitations and exclusions.


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

Is Short-Term Health Insurance Right for You?

Do you have a pre-existing condition?

If you do not have any pre-existing conditions, then a short-term health insurance plan could be an affordable health insurance option for you.

However, If you have a pre-existing condition, then you should consider getting comprehensive major medical insurance. It includes coverage for all of the essential health benefits, which include but are not limited to:

  • Ambulance patient services
  • Emergency services
  • Hospitalization
  • Pregnancy, maternity, and newborn care
  • Mental health and substance abuse disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

Are you planning to have a baby?

If you’re pregnant or planning for a baby, you’ll want to consider getting comprehensive major medical insurance plan that ensures coverage for maternity care. If you're not planning a pregnancy, 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 comprehensive 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.