Short Term Health Care: Protection for the Meantime

2007-03-08 10:33:40

( Health )



PROVISIONAL COVERAGE

A short term health care plan is intended to provide you with provisional health insurance prior to getting a permanent medical insurance policy. A short term health insurance provides the same extent of medical benefits except that it is given on an interim basis, with the policy often lasting from several weeks to one year, with no option to renew.

Short term health coverage is not meant to replace the standard health insurance policy. However, it is recommended if you are in between policies, in the process of getting one, in the midst of a change that nullifies your previous health plan, or if you just need temporary coverage in the meantime. This includes recent graduates, students, career shifters, self-employed, travelers, or those waiting for their health insurance to take effect.

FOR EMERGENCIES

Short term health care plans cover emergency medical services and treatments. However, short term health care policies do not usually cover costs for check-ups and other preventive health care measures. Short term health insurance is also very strict about denying coverage for those with pre-existing conditions, but the policy can be extended to cover immediate family like children and spouse.

Because short term health insurance is basic and temporary, the premium costs are much lower than your standard health coverage. And the processing for this insurance is very fast. You can apply for a short term health care insurance today and have effective coverage by the next day.

Short term health care insurance addresses a major hole in our health care system. It provides medical coverage and benefits to individuals who would otherwise have no access to standard health insurance. Because medical emergencies can happen anytime, everyone needs some form of health insurance. Short term health coverage protects us from the financially draining costs of medical care, even if only for the short term.


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