Short Term Health Insurance

When people think of health insurance, they think of traditional health insurance, with office visits, joint payments and prescription drug coverage. However, such health insurance is not always available. Maybe you are transitioning from one job to another; or maybe you work part time or with a temporary agent that doesn't offer complete health coverage; or you might attend or just graduate from school. In situations like this, traditional health insurance is sometimes not available. If you cannot afford traditional health insurance but want some guarantees in case of an accident or emergency, short-term health insurance is your best choice.

Short Term Health Insurance

Short-term health insurance fills a gap in health insurance coverage that may occur for a number of different reasons, including those listed above. The idea of ??short-term health insurance is built into the name - it is a short-term solution that offers short-term coverage, in the hope that at some point, you will start or continue traditional health insurance coverage. This is designed for those who want to get protection in the event of an accident or injury and only bear emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a number of hospital treatments. Although policies vary, this is often the standard in short-term health insurance coverage. However, short-term health insurance does not cover regular doctor visits, nor does it cover pre-existing conditions. If you are looking for this kind of coverage, you should consider getting a traditional health insurance policy or looking for other options.

The costs of short-term health insurance vary greatly; You will have a monthly premium, ranging from $ 25 to $ 100, depending on the scope of the plan and deductible, which often starts at $ 250 and can increase to $ 5,000. Most policies today also offer reasonable payment amounts (often one or two million dollars). Policies allow you to choose coverage for a certain period of time, from 30 days to 90 days or six months, but almost no short-term policies are extended for one year.

How do you find short-term health insurance? This is not as difficult as it seems. Simple Internet search will produce a number of companies that offer short-term health insurance coverage. Online search will also give you the opportunity to compare different companies and different plans. Be sure to examine each policy carefully to understand your maximum payments and deductibles, coverage, and other terms of agreement.

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