Short Term Health Insurance Quotes
Short Term Health Insurance is designed for individuals who are, for whatever reason, without health coverage for a short period of time—typically only a few months.
Short Term Health Insurance vs. Personal Health Insurance
Although the underwriting standards for Short Term Health Insurance are typically more lenient than for Personal Health Insurance, short term coverage typically is far less extensive than that of a regular health plan policy. Generally, the premiums can be higher, making Short Term Health Insurance a poor choice as a permanent plan. When you see that the premiums are lower than you expected, it is probably because they offer less coverage.
If you have recently left a job, you may be eligible for the continuation of your group health plan under COBRA. COBRA is not the same as short-term health coverage. Often, however—particularly in situations where your former employer picked up some or all of your health premiums—you may find your COBRA payments to be more than you can afford. In that case, the limited coverage provided by Short Term Health Insurance may be the only solution you can afford until you start your next job.
Who Needs Short Term Health Insurance?
In today's world of rising costs, living without some form of major medical coverage is extremely risky. Health issues can strike even the most careful of us. Don't continue without healthcare.
In cases where you are temporarily without health coverage, or where COBRA payments are excessive, Short Term Health Insurance can be an appropriate stop-gap solution.
Things To Think About
- What type of coverage do you need?
- What is your age? Health characteristics?
- Short term requirements?
- Routine doctor visits are probably not covered
- The deductible is probably quite high
- There could be a waiting period
- Policy requirements will be different between carriers
- This is generally not "full coverage".
Relevant e-Insure Journal Content
|The material provided on this website is for informational purposes only and is not a contract. It is intended to provide general information regarding the matters covered, but is not offered as legal or other professional advice, and is not tailored to your specific circumstance. You should evaluate all information available on this website in consultation with your insurance representative and read your policy fully to understand the terms of coverage. Your insurance policy, not the information contained on this website, forms the contract between you and your insurance company and coverage is subject to the terms, conditions and exclusions of the actual policy issued.