Short Term Health Insurance Plans

Short Term Health Insurance Plans

When shopping for a short term health Plan, and interested in finding affordable coverage with a solid health insurance company you should shop around and get multiple rate quotes from multiple health insurers.

Short term health insurance plans are designed to cover you during a gap in more permanent health insurance coverage (like when you are waiting to be enrolled in an individual health insurance policy, or in-between jobs etc. Short term health insurance can usually be purchased for terms of anywhere between one and twelve months.

Short term health insurance plans are generally non-renewable (you have to re-apply to extend coverage) they make sense  for people in between plans only , and should not be purchased in place of regular health coverage. However, if you're between jobs, on strike, recently graduated, or simply waiting on a new individual health insurance policy to take effect, temporary health insurance can provide you and your family with some much-needed piece of mind.

The typical short term health plan covers most of the same services a permanent policies do, with some differences you should be aware of.

Because most short term health insurance policies are fee-for-service plans, preventative and routine care (like check-ups) won't be covered, nor will dental or vision care, and most short term health plans are very strict about denying coverage for pre-existing conditions.

Short term health insurance is generally very affordable. The monthly premium on a standard short term health plan may be as low as $25 per month, depending on what deductible is chosen.