Short term health insurance protects against unexpected medical bills from accidents and illnesses. Coverage can range from hospital, emergency room care to outpatient services and prescription drug benefits.
Temporary health insurance is a quality, affordable plan of medical insurance designed specifically for people who are temporarily without health insurance. Coverage can become effective as early as the next day, be purchased for periods as short as 30 days - 180 days, although some plans may offer coverage up to 12 months, and can be paid for in a single payment or by monthly installments. The minimum number of days you can purchase temporary health insurance is usually listed as 30.
Applicants must also pass a simple medical questionnaire for short term medical insurance coverage approval. Once approved and covered by a temporary health insurance plan in the event of a sickness or injury, an insured person may receive treatment from any licensed healthcare provider or facility anywhere in the U.S.
Short term health insurance is a temporary health insurance plan (typically 1 to 6 months) and should NOT be used as a substitute for standard, long-term health insurance. If you would like long term (permanent coverage) click here for quote.
- Short term health insurance plans are intended as interim or "gap" coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date.
- Short term insurance plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations.
- Short term insurance plans are exempt from HIPAA legislation. This means that when issuing a short term health insurance policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals.
- Most importantly, short term health insurance plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time.
