Short-Term Health Insurance
When you find yourself between insurance policies, a short-term
health insurance package can fill-in the coverage gaps. If
you're recently unemployed, or are waiting for a new group
policy to take effect, this type of package will help ensure
you're not caught short on health or medical provisions.
Available for both individuals and families, short-term health
insurance can provide peace of mind during what often times
can be a difficult period of transition.
Short-term health insurance, usually available only for
a set period of time, often is fixed at a six month period.
However, in many situations, since you don't know ahead of
time how long you will need the policy, many short-term health
insurance carriers will offer a renewal option.
For the most part, short-term health insurance policies
are classified as “indemnity plans” and not as
managed care plans, i.e., PPOs or HMOs. While coverage under
a short-term policy is typically equal to any other standard
health insurance policy; there do exist several main differences.
For example, under short-term policies, preventive care tends
not to be covered. Dental and eye care, as well as, pre-existing
conditions are also not generally included.
Similar though to traditional policies, most short-term
health insurance packages do carry a deductible and a co-payment.
Short term insurance can be very affordable, but prices do
vary based upon the deductible and co-payment selected.
Even if you do have existing coverage, in some extraordinary
situations, short-term coverage may still be desirable. For
example, if you are traveling overseas for an extended period
of time, and your insurance does not cover international
health or medical care, you may purchase additional coverage
in the form of a short-term policy earmarked
for that particular purpose. Do though exercise caution when
buying health insurance for foreign travel. Like
any insurance policy, not all short-term insurance
plans are designed the same and not all include overseas
coverage.
Instead of a long, drawn out procedure, the process to purchase
a short-term policy is commonly very easy and streamlined
and coverage begins almost immediately. Find out more about
the short-term options that are available by filling out
the brief online form and instantaneously receiving free
quotes.
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