SelecTemp PPO isn’t designed for the buyer who is seeking out something that will last beyond six months. It offers a variety of deductibles – and corresponding premium prices – to choose from. Buyers can select $1,000, $1,500, $2,000 or $2,500 deductible depending upon what premiums they’re willing to pay.
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For its price, the plan sounds great, but it’s important to remember it is a temporary plan. It also has a lifetime maximum smaller than non-temporary plans: $2 million instead of $5 million.
BEST FOR: Students or people between jobs who opt not to go with their company’s COBRA plan.
PROS: Low price, comprehensive coverage, flexibility in what kind of deductible you want. The deductibles are remarkably low compared to similarly priced plans on the non-temporary plans on the market.
CONS: As a temporary plan, it has a lower lifetime maximum. Despite the relatively low deductibles the plan has, you need to remember its out-of-pocket maximum is higher. Add $1,000 to the deductible for the full out-of-pocket maximum – which is the total amount you will need to pay before the policy stops forcing you to pay 20 percent coinsurance.
Vimo is committed to an objective, open and comprehensive comparison shopping experience for health insurance buyers, and we welcome suggestions, updates and corrections from consumers and the insurance community.
Health insurance companies modify their offerings quite often. Contact a licensed health insurance agent to learn more about this health plan, any recent changes to it, and to verify that its benefits are currently available in your state.
