So who would need a short-term insurance policy and why? After all, of all types of coverage, health insurance requirements do appear to be a long term matter on the surface. The fact of the matter, is that you might be amazed at the actual amount of individuals who find themselves in demand of a short term health insurance coverage at some point in their life-time.

Recent College Grads

Fresh college graduates are the first that come to mind. They might have been protected by a large health insurance policy throughout their schooling while they were taking care of college but now find themselves ineligible for that protection after they have graduated. Sure they plan on getting some work that has insurance protection benefits but they will have to have a little bit to hold them over until that time.

Fresh Hires in Need of Health Insurance Coverage

A lot of firms that do offer big health insurance programs for their employees oftentimes require that a particular time period elapse before a newly hired individual turns eligible. This would be another perfect model of someone that would find themselves in need of short-term coverage..

Twelve, 24 and Thirty-Six Month Insurance Policies

Generally, short health insurance policies are available mainly in 12 month increases. Nevertheless; there are some carriers that do offer 24 and thirty-six month plans. Also, nearly all short term plans will not cover preexisting circumstances.

Exclusions in Short Term Insurance

Something else that you will not find short term health insurance plans protecting is preventive treatment such as pap smears. As a matter of fact, short term policies tend to have far more exclusions than regular health insurance plans.