Short Term Insurance

Short-term insurance policies generally do not cover pre-existing conditions or normal preventative care, but if an illness or injury occurs, members will be covered under a short-term health insurance policy. Also, any emergency services, hospitalization, diagnostic test, or follow-up visit charges should be covered under the policy. As the name implies, short term health insurance is meant for those that only need the coverage for a short period of time.

Who Should Get These Plans?

Short term, or temporary, policies are described as insurance policies that get people through short gaps in their health insurance coverage. Unexpected illnesses and accidents can happen at any time, which can result in mounting medical expenses. However, you can protect your financial future with short term coverage at an affordable price.

Those who tend to pick temporary health care are:

• those who are between jobs
• those waiting for employer benefits
• those with temporary or seasonal employment
• those who are new graduates
• those with Part-time employment
• those who are unemployed or laid off

What are the Benefits?

There are several advantages to short term coverage. One of the better advantages is that coverage can begin as soon as the day after signing up with a policy. Also, prescription drugs are covered and members may keep their own doctors with short term insurance policies.

Short term insurance coverage is a temporary health insurance plan that typically offers coverage from 30 to 365 days. If healthcare coverage has recently been lost, but new coverage is expected within a year, short-term health insurance may ideal.

Short term insurance policies are also ideal for healthy people who are going through some kind of transition. For example, a recent college graduate who is waiting for health insurance benefits at their first job to begin.

Short-term health insurance tends to be significantly cheaper than other types of insurance. Some of those who may qualify for comprehensive coverage will pay less than one-hundred dollars a month. And it can be paid for in one single payment or easy monthly installments.

What is Covered?

Pre-existing medical conditions and routine doctor visits are not covered; coverage can be easily and quickly obtained after answering a few simple questions. Temporary health insurance is a quality, affordable plan of temporary medical insurance designed specifically for people who are temporarily without health insurance.

Temporary health insurance coverage is provided for physician services, surgery, outpatient and inpatient care and there is the freedom to choose any doctor or hospital. And people can re-apply as many times as they wish.

The most important thing to consider before deciding on a short-term health insurance policy is if it is affordable. For example, if a policy is for fifty dollars a month, but it has a $3000 deductible per injury or illness, the policy holder will be responsible for paying almost all the medical expenses out of pocket, so it is very important that a thorough search is made when seeking short term or temporary health insurance.

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