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Insurance - Medical Temporary Health Insurance Plans

  • Date: 2010/10/10 (Rev: 2012/09/21) Insurance Medical Temporary
  • Synopsis : Information on obtaining a fast temporary health insurance plan for the specific period you require medical insurance.

Main Document

Information on obtaining a fast temporary health insurance plan for the specific period you require medical insurance.

What is Temporary Health Insurance:

Short term health insurance protects against unexpected medical bills from accidents and illnesses. Coverage can range from hospital, emergency room care to outpatient services and prescription drug benefits.

Temporary health insurance is a quality, affordable plan of medical insurance designed specifically for people who are temporarily without health insurance.

Coverage can become effective as early as the next day, be purchased for periods as short as 30 days - 180 days, although some plans may offer coverage up to 12 months, and can be paid for in a single payment or by monthly installments. The minimum number of days you can purchase temporary health insurance is usually listed as 30.

Applicants must also pass a simple medical questionnaire for short term medical insurance coverage approval. Once approved and covered by a temporary health insurance plan in the event of a sickness or injury, an insured person may receive treatment from any licensed healthcare provider or facility anywhere in the U.S.

Short-term health insurance plans are an option when:

  • You're between jobs
  • Can not afford COBRA
  • Starting a new job etc.
  • Are a recent college graduate
  • Waiting for employer benefits
  • Temporary or seasonal employee
  • Waiting for group coverage to start
  • Are a temporary or part time worker

Note:

  • The 12-month Short Term Medical plan is not available in all U.S. states.
  • Short term health insurance should not be used as a substitute for standard, long-term health insurance as short-term insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide full comprehensive coverage.
  • Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly known as HIPAA Plans. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term health insurance plan.
  • Short-term health insurance plans usually do not cover any pre-existing medical conditions you may have and any previous or current health condition or symptom may be considered a pre-existing medical condition that will not be covered under a new plan. Conditions do vary by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years.
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