The other name for health insurance short term is temporary health
insurance. Short-term health insurance lessens the peril of an
unanticipated occurrence in the middle of a transitional period.
However, for this you have to keep a continuous coverage and prevent
your health insurance coverage from lapsing.
Health
insurance short term plans are reasonable options for they include
comprehensive major medical plans without any sort of pricey extra
benefits. Short-term health insurance is best for students because they
are definitely in need of cheap health insurance policies so that they
can acquire the coverage in an easy and inexpensive manner.
Online
health insurance short term policies can be obtained within a couple of
days and even hours. For short term health insurance you do not need to
pass any medical exam. More or less, all insurance companies provide
online quoting for every individual and short term health insurance
plans.
There is no doubt that short term coverage is cheap,
but it is essential for you to shop around and get hold of a well
reputed insurance company. According to your requirements, short term
health insurance policy lasts for 6 to 12 months. You are well
protected by this temporary friend when you have no other health
insurance coverage to support you.
When does health insurance short term policies come to your help?
When you are a college student and you are no longer covered by your parent’s policies
In between jobs
When you are a part-time or a temporary employee
Short term health insurance is also there to present you a low-cost secondary option to COBRA coverage.
The
cost of health insurance short term policies are generally low as they
are essentially not meant for regular working people but students and
part time job holders. The best part of this plan is when there is a
change in the circumstance you can drop the coverage if you don’t need
it any longer.
The coverage provided by health insurance short term policies
Inpatient and outpatient treatments and procedures
Doctor’s visit
Dental care
Several hospitalization charges
Surgeries
Vision care
Discounts on prescription medications
However, short term health insurance policies will not cover pre-existing conditions and preventive care.
Health
insurance short term plans are specifically meant for sudden accidents
or illnesses. These plans are not devoid of benefit limits, in which
case you are required to cover an initial deductible and make
co-payments. As you come to possess a short term health insurance
policy, you get the option to select your preferred doctors, hospitals
and other health care providers.
The coverage of your short
term health insurance plan begins soon after the insurer receives your
application and after you have made your first premium payment. The
applications can either be mailed or they can also be forwarded online.
The payments you make can be done both through check and credit card.
Therefore, live life to the fullest with health insurance short term policy.