Short Term Health Insurance

The name short term just about says it all. This insurance is available and intended for short periods of time. Short term health insurance is used to cover people who are in-between jobs, waiting for another health insurance policy to become effective, or just to try out a policy before committing to a traditional long term insurance plan. Another use is to prevent a lapse in health insurance coverage. These plans are also effective for fresh college graduates or those waiting on Medicare eligible age. There are many options to choose from in the Short Term Health Insurance market. The plan is only available for people who are less than 64 years old. Many pre-existing conditions will not be covered with this type of insurance plan.

Coverage Offered by Short Term Health Insurance

Every potential short term insurance customer should be aware that not all policies have the same level or types of benefits of the traditional plans. A licensed health insurance agent can help you choose a policy that works best for your needs. Also, this plan is ineffective for pre-existing health conditions. Some of the common advantages of short term health insurance plans include:

• Hospital and operation fees
• Doctor visits
• Diagnostic and lab charges
• Organs, tissue or bone marrow transplant
• Repatriation of mortal remains

Apart from of these vital advantages, there are a number of disadvantages also associated with short term health coverage:

• The policy offer coverage for a limited period of time, which can be upgraded or converted to a traditional policy at any time
• Regular dental care, optical and medical checkups are not covered
• There is no any guarantee of renewal when the policy expires

Features of Short Term Health Insurance

Available for 1 month to 12 months, the insurance sometimes can be renewed up to 36 months. If you want to have coverage of more than one year, then you should consider individual health insurance or family medical insurance plans

Applying for Temporary Health Insurance Policy

Applying for short term health insurance is as easy as long term policies. It does start working within 24 hours of customers’ application approval. We also help to start coverage as soon as possible. We are associated with reputed insurance providers who take care of our customers.

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