Short Term Health Insurance Basics

2007-03-08 10:33:40

( Health )



What is a short term health insurance?

You might consider having a short-term health insurance if you are a healthy unemployed, student, retiring early, or if you are undergoing a transition. Since many of the short-term health care can now provide you a low-cost short-term medical insurance, it is your time to grab the opportunity of securing yourself for a short-term health care.

This short-term health insurance is a temporary health insurance designed for individuals or families who don’t health coverage for pre-existing conditions since they are healthy. This short term health coverage is up to 12 months or less, which means that this short term health care will not cover pre-existing conditions.

Do I need a short-term health insurance?

Since short-term health insurance means low monthly costs and usually has a high coverage limits, this type of temporary health insurance is attractive to part-time and temporary employees. If you are not on any health insurance or a fresh graduate, a short term health care is a good option to consider.

A short-term health care insurance policy works like an “indemnity plan” in which you can go to any doctor you wish. Aside from, short-term major medical services, here are some services included in the short-term health coverage usually with sub-limits and special conditions:
• surgery
• emergency hospitalization
• diagnostic tests
• clinic visits (follow-up)
• prescription drugs

You can renew your short-term health insurance up to 36 months. Some of these temporary health insurance also give you 30-day money-back guarantee if you don’t wish to pursue it.

Costs

A short-term health coverage is deductible per injury or illness. This short-term health insurance usually costs only $72 a month.

Most of the short-term medical insurance can be paid on a monthly basis. This can also be paid in a single payment where you can be given discounts.


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