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eHealth Short Term Health Insurance Review

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eHealth Insurance is an online marketplace that allows families, individuals, and small businesses find, compare, and apply for health insurance policies from various insurers. Among the types of policies offered through eHealth are short-term, traditional, and international health insurance. eHealth is partnered with over 180 providers to give consumers the widest range of choice possible.
 
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How is eHealth rated?

Breakdown

4.3/5
Plan Features
4.3/5
Cost
4.5/5
Customer Experience and Financial Reputation

Overall Rating: 4.3 / 5 (Excellent)

eHealth is an excellent resource for consumers who are looking to have the greatest freedom of choice when it comes to selecting a short-term health insurance policy. Their website allows users to view and compare multiple plans, which is crucial when selecting the plan that best meets the needs of the customer. The policies offered through eHealth run the gamut of options, meaning every consumer will find the right plan.

eHealth Key Plan Features

Plan Features - 4.3 / 5

eHealth allows consumers to find short-term health insurance plans in their area. By providing their zip code, age, gender, and details about their covered family members, consumers will be presented with multiple plan options and the opportunity to compare them. Plans are available from companies such as UnitedHealthcare, LifeShield National, and National General. Low-deductible with low or no coinsurance options are available, as are less expensive plans with high deductibles and low maximums. Short-term insurance is designed to only be used temporarily. Once the plan expires, consumers must reapply again, being aware they may be denied or that any conditions they received treatment for under the previous plan would now be considered pre-existing conditions and would not be covered by the new plan.
Coverage
Routine Doctor Visits
Labs
X-Rays
Diagnostic Services
Hospital
ER
Ambulance
Urgent Care Facility
Prescription Coverage
Term Range
Up to 3 months
Waiting Period
Varies by provider.
Mobile App
Yes
Online Account Management
Yes
Prescription Coverage
Varies by provider.
Pre-Existing Conditions Fine Print
Most policies do not cover pre-existing conditions. In many cases, if you purchase a new policy, any conditions for which you incurred claims under the prior policy is considered a pre-existing condition and will not be covered.

eHealth Plan Cost

Cost - 4.3 / 5

In general, plans purchased through eHealth do not appear to charge any application fees. Monthly premiums run the gamut of costs, depending on the coverage limits and the number of people being covered under the plan. Consumers who search for policies through this website can find plans with a full range of coverage options, ensuring that each consumer will be able to select the plan that best fits their needs, according to their health status and financial situation.
Deductible
$250
$500
$1,000
$2,500
$5,000
$7,500
$10,000
$12,500
Coinsurance
10%
20%
30%
40%
50%
60%
0%
Coinsurance Out of Pocket Max
$500
$1,000
$2,000
$3,000
$4,000
$5,000
$7,500
$10,000
$16,000
$20,000
Application Fee
No
Lifetime Maximum
Varies by provider.
Out of Network Fee
Varies by provider

Customer Experience and Financial Reputation - 4.5 / 5

eHealth currently holds an A+ rating with the Better Business Bureau. While a number of complaints and reviews have been filed, the company always responds promptly to resolve the customers' concerns. Reviews on Trustpilot are mostly positive, adding up to a 7.2 out of 10 rating. As a marketplace, the company works with a large number of insurers. Here, we have taken financial information from one of its top partners, National Health Insurance Company. eHealth works with some of the most respected insurers in the business.
Year Founded
1998
Company Type
Marketplace
Company Used for Financial Strength Ratings
National Health Insurance Company
AM Best Financial Rating
A-
BBB Rating
A+
Trust Pilot Rating
7.2 out of 10
NAIC Complaint Ratio 2017
8.43
NAIC Total Complaints 2017
21
Date Collected
2018-10-29

Company Profile

Full Name
eHealth Short Term Health Insurance
Company Website
https://www.ehealthinsurance.com
Headquarters
440 E. Middlefield Road, Mountain View, CA, 94043

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Top Rated
Our Partner
  • Get Coverage as soon as Tomorrow!
  • Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
  • Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
  • Visit any doctor in their nationwide network; no referral required
  • No long term commitment. Budget Friendly.
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