 SHORT
TERM HEALTH INSURANCE
Short term health insurance is designed to see the policyholder through a brief gap in
standard health coverage. They're generally available for between one and twelve months
(though many insurers limit coverage to six months), and they offer many of the same benefits that standard plans do, with a few key differences.
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What does Short term insurance
cover
The typical temporary health insurance policy covers most of the same
services a permanent policies do, with some differences.
But if you're between jobs, on strike, recently graduated, or simply
waiting on a new health plan to take effect, short term health insurance can provide you and your family with some much-needed security.
Because temporary health insurance policies are generally non-renewable
they are appropriate only for people in between coverages, and should not be purchased in place of regular coverage.
Most short term health insurance policies are fee-for-service
(indemnity) plans, preventative and routine care (like check-ups) won't be
covered, nor will most policies cover dental or optical care.
Services covered by short term health insurance include
emergency medicine, prescription drugs, intensive care, lab and x-ray,
ambulance, and some home and hospital care. Most temporary health insurance policies can be adapted to extend
coverage to a spouse and dependents.
The cost of temporary health insurance
Temporary health insurance is a very affordable policy.
Most temporary health insurance policies also require co-insurance of 20-50%.
(This is the percentage of costs you pay for most treatments.)
Where to find Temporary health insurance
The internet is an ideal market for a consumer product like short term health insurance.
Pricing policies and options is a snap, and you can get competitive short term health
insurance quotes in under a minute.
Consumers also benefit from the competitive nature of the online insurance industry.
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