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I don't sell Short Term, but with a 1 month extension , wouldn't he be covered to 5/1/24?Beginning September 1, 2024, short-term products are restricted to a term of no more than 3 months with an option one month renewal or extension, for a maximum duration of no more than 4 months.
Ok, so I enroll Joe Blow into a Short Term plan on 01/01/24. He has answered NO to all health questions and thinks that he's healthy. Then he goes to the doctor for a pain a month later and finds out that he has cancer, needs heart surgery etc. Surgery scheduled for 04/01.
His ST policy has ended and he can't qualify for a new ST and he's passed the ACA open enrollment. So he is Sh*t out of luck until the next ACA open enrollment.
Is he just supposed to suck it up and die?
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