Longer-Term Health Insurance

12+ months

Long Term Health Insurance Image

Major Medical Coverage for 12+ Months

If you’re not sure whether you’ll find a job or other coverage in the next 11 months, longer-term health insurance may be right for you. These plans (also called comprehensive) are most like the group health plan your last employer offered. They offer a wide range of services like:

  • Annual checkups
  • Specialist visits
  • Option to buy dental coverage

Since longer-term health insurance offers more coverage and fixed out-of-pocket expenses, they often cost more each month than short-term plans. But the Affordable Care Act (also called health care reform) includes discounts — based on your household size and income — that may lower your monthly costs.

In the past, if you had a pre-existing condition, you may have had trouble getting insurance. With the new health care law, everyone can get coverage.

Compare Your Options

Short-Term Health Insurance Plans Longer-Term Health Insurance Plans COBRA
Coverage length 1-11 months 12+ months Up to 18 months (or 36 months in rare cases)
Coverage level Basic Major See your COBRA notice2
Option to buy dental coverage No Yes See your COBRA notice2
Preventive care No Yes See your COBRA notice2
Prescription drug program Yes (limited)1 Yes See your COBRA notice2

1See short-term insurance plan details for prescription drug program limits.

2The COBRA plan column shows information that’s typical of COBRA plans. Your COBRA notice will list the benefits you had with that coverage.

You may be able to find a plan with a lower monthly cost. You can shop now for plans that will start on Jan 1, 2014. If you’d like to learn about your options, call our Licensed Blue Cross and Blue Shield Agents at 888-909-9987.

Smart Tip

Remember to review your current and future health care needs before buying health insurance. Are you planning to have surgery? Do you or a family member need prescription drugs? Looking ahead can help you make the right choice.

Start Shopping

for Blue Cross and Blue Shield of Texas plans

Job Change Tips

for the unemployed

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