Short Term Health Insurance
If you’ve lost your job or have a need for medical insurance for a short amount of time you can find many different short term health insurance options. This type of insurance is much less expensive than COBRA and can help you get the coverage you need while you’re unemployed or need temporary health insurance.
Pre-existing conditions and routine doctor visits are not covered by short term health insurance plans. You also won’t be able to cover maternity or childbirth care, dental, vision or well-child care. Short term health insurance is there to protect you from unexpected injuries or illnesses during the duration you are not covered by your employer
insurance or if you are between plans.
The plan won’t renew on it’s own but you are normally free to reapply and start your coverage again whenever necessary. If an illness or injury was obtained during your last coverage period it will be considered as a pre-existing condition and will not be covered by your new short term health insurance plan.
If you think you’ll need health coverage for longer than six months you should consider a longer term policy so that you don’t have to worry about reapplying or contracting a pre-existing condition that won’t be covered by a plan if you weren’t covered prior to getting the condition. Be sure to read all of the terms and conditions of your plan before you sign and pay for the plan. This can help protect you from paying for coverage that might not cover a condition you presently have. If you need more coverage you can find many different plans that might be in your price range, but a short term health insurance plan is perfect for those between jobs while they’re waiting for their employer health insurance waiting period, those traveling outside of the country, and those who can’t afford a full coverage
health plan in their certain circumstances.
You might find that if you are low-income your state might offer you a health insurance plan for a low cost as well. This might help you and your family if you are going through a rough financial time and is available to those who make less than a certain amount of income. Some families may find that their children can be covered on the state plan option, but the income limits for state health insurance for parents is very low so it can be very difficult to qualify.
With short term health insurance plans you can normally choose your own doctor and hospital, get prescription coverage, and also get coverage for in-patient and out-patient care. With a short term health insurance plan you can get coverage for anywhere from 30 days to 12 months and normally have the option of paying monthly or get a discount for paying for the entire plan upfront. The deductible options are normally the same as any other health insurance plan and you will find that the co-insurance options are very inexpensive for the insured.
You can also find travel medical insurance that will cover you during your vacation to another country so that you can be covered for unexpected medical emergencies and medical costs.