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Short-Term Health Insurance for Temporary Coverage Gaps
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Fast coverage when you need it
How Short-Term Insurance Works
Short-term health insurance can fill a brief gap between plans for residents in Metairie, Kenner, and the Northshore. These policies are designed for unexpected illness or injury during transitions like job changes or waiting periods. They are not ACA compliant and often exclude pre-existing conditions, preventive care, and some prescriptions. If you qualify for subsidies or want full benefits, consider ACA health insurance instead, or review our broader Health Insurance guidance.
When short-term makes sense
Common Situations
- Coverage gap before new employer benefits begin
- Missed Open Enrollment without a qualifying event
- Recent graduates or retirees awaiting Medicare start dates
We will confirm eligibility periods and coordinate start and end dates so there is no overlap with other coverage.
What these plans include
Typical Benefits and Limits
Short-term policies usually cover emergency care, hospital stays, and many urgent needs. They often set caps on total benefits and may use broader underwriting. Read terms carefully. Granen Insurance compares carriers and explains exclusions in plain language so you know exactly what the plan will and will not cover in Louisiana.
FAQ – Short-term health insurance
Questions We Hear
How long can coverage last?
Durations vary by carrier and current rules. We will show what is available in Louisiana today.
Will pre-existing conditions be covered?
Usually not. If you have ongoing care needs, ACA health insurance is typically a better fit.
Can I cancel early?
Yes. You can end a short-term plan when other coverage begins.
Temporary Protection Made Simple
Fast, Flexible Coverage for Gaps Between Plans
Whether you’re between jobs or waiting for new benefits to start, short-term health insurance provides quick, affordable protection for unexpected medical needs.