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HealthCare.com Short Term Health Insurance Review

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Healthcare.com is an online health insurance marketplace which provides consumers with data, resources, recommendations, and options to compare quotes and make informed decisions when purchasing healthcare. Healthcare.com has over 4,000 available insurance plans, including short-term, Obamacare, Medicare, and small business. Healthcare.com is a privately-owned company with office locations in New York, Miami, and Guatemala City.
 
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How is Healthcare.com rated?

Breakdown

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

Overall Rating: 4.5 / 5 (Excellent)

HealthCare.com provides a guided search and many comparison tools for consumers, making it a user-friendly and preferable health insurance marketplace. The website has a wide range of resources and tools, including articles, infographics, calculators, and videos to assist consumers in their healthcare shopping, especially for short-term health insurance. Consumers can use the quoting tool to find and compare short-term plans in their area, as well as call for a quote.

Healthcare.com Key Plan Features

Plan Features - 4.5 / 5

Short-term health care plans within HealthCare.com's marketplace are flexible and customizable. Depending on the plan, coverage can include inpatient and outpatient hospital care, ER visits, surgical services, ambulatory services, intensive care, and more.
Coverage
Hospital
ER
Ambulance
Urgent Care Facility
Term Range
Terms range up to 90 days of coverage under one certificate of insurance, with the ability to apply for up to three additional new certificates of coverage.
Waiting Period
No waiting period. Coverage can begin as soon as the next day.
Mobile App
No
Online Account Management
No
Cancelation Policy
Short-term health insurance plans are flexible in which consumers can choose when to end their policy.
Prescription Coverage
Depends on the chosen plan, although most short-term plans do not cover non-hospital prescriptions.
Pre-Existing Conditions Fine Print
HealthCare.com makes note that short-term health insurance plans are not ACA compliant and are not guaranteed issue, meaning they do not have to cover pre-existing conditions.

Healthcare.com Plan Cost

Cost - 4.5 / 5

HealthCare.com is a marketplace of health insurance plans and therefore does not list one-size-fits-all prices and fees. The company explains that short-term health insurance plans vary by company and state, having deductibles that range from $1,000 up to $7,500. Coinsurance, copays, and out-of-network fees also vary by company and state.
Deductible
$1,000
$2,500
$5,000
$7,500
Application Fee
Not listed
Lifetime Maximum
Up to $2,000,000
Copays
Flexible and customizable, depending on plan
Out of Network Fee
Not specified

Customer Experience and Financial Reputation - 4.5 / 5

HealthCare.com is a marketplace of many healthcare underwriters, and therefore does not have its own financial ratings or any online reviews. Aetna, a primer company within the marketplace, has average financial ratings from three trusted rating sources, as well as an A+ from the Better Business Bureau.
Year Founded
2014
Company Type
Marketplace
Company Used for Financial Strength Ratings
Aetna
Standard & Poor's Financial Rating
A
Moody's Financial Rating
Baa2
AM Best Financial Rating
bbb
BBB Rating
A+
Date Collected
2018-10-29

Company Profile

Full Name
HealthCare.com Short Term Health Insurance
Company Website
https://www.healthcare.com/
Headquarters
3401 N. Miami Avenue, Miami, FL, 33127

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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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