Short term health insurance is health insurance coverage issued for a relatively short period of time. It is also referred to as short term medical insurance, temporary health insurance, temporary medical insurance or interim health / medical insurance. Short Term Health insurance is immediate and inexpensive with minimal underwriting.
Short term health insurance is very affordable as most plans are comprehensive major medical plans but without all of the extra benefits like copays for prescriptions and copays for doctors visits that can be quite pricey. This type of insurance is intended for healthy people who are in transition.
Coverage For The Short Term Insurance
When you buy a short term health insurance, you can choose a period of coverage that may be as short as 30 days, or as long as 365 days (depending on state). Best of all, temporary plan coverage begins immediately.
Apply today and your coverage will begin as soon as tomorrow.
Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months.
You can and your spouse are eligible for coverage as long as you are under the age of 65 and it is offered in your state. Remember Short Term Health Insurance is a good, but not a substitute for permanent health coverage.
There is no coverage for pre-existing conditions, maternity, or routine visits. Although short term coverage is very cheap you will still want to shop around and find a well known and reputable insurance company.
Because of its low cost, high coverage amounts and fast purchase process, short-term health insurance serves an important function for certain groups of healthy people. Part-time and temporary employees are among the most likely consumers of short-term health insurance as many corporate plans won't cover part-timers.
Many people who are laid off or are between jobs can continue coverage with their previous employer under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) for up to 36 months depending upon the circumstances, until a new employer's plan kicks in.
Short Term Health Insurance is affordable coverage that will meet your needs temporarily. Remember Short Term Health Insurance is a good, but not a substitute for permanent health coverage. If you are on the move, either from one house to another or from one school to another, short term health insurance is perfect for you.
Short term health insurance or temporary health insurance is a good way to alleviate the risk of an unforeseen and unfortunate event while in the midst of a transitional period. All of that to say that it is extremely important to make sure that you keep continuous coverage and do not let your health insurance coverage lapse.
Short term health insurance is very affordable as most plans are comprehensive major medical plans but without all of the extra benefits like copays for prescriptions and copays for doctors visits that can be quite pricey. Short term health insurance is a great way for students that need cheap health insurance coverage to obtain coverage in an inexpensive and easy manner. (Note, that temporary health insurance should not be a permanent substitute for a “real" health insurance plan but is most suitable when the student has a job offer with health benefits soon on the horizon or is getting married and will then have health benefits or some other similar scenario).
Many temporary health insurance plans can be compared, purchased, and then be made effective all online and within a couple of days or even hours. Medical exams are almost never required for short term health insurance (or for most individual health insurance plans for that matter – unless maybe you are approaching your 60’s and have not had a physical for 10 or more years). Almost all insurance companies offer online quoting for their individual and short term health insurance plans.
Although short term coverage is very cheap you will still want to shop around and find a well known and reputable insurance company. You can request health insurance quotes directly at the insurance company’s website but it is usually easier to request quotes from an independent website as they will show you health insurance quotes from 3 or more insurance companies that offer coverage in your area side by side for an easy comparison.
Both Sani Ali & Abel Craig are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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