Health Insurance:
 
Overview
   
The Basics
   
Individual & Family Coverage
   
HMO & PPO
   
Group Coverage
   
   
   

Short Term:
 
Overview


 

 SHORT TERM HEALTH INSURANCE - Overview

What is Short Term Health Insurance?

Short term health insurance is a quality, affordable plan of short term medical insurance designed specifically for healthy people who are temporarily without health insurance. Coverage can become effective as early as tomorrow, be purchased for periods as short as 30 days or up to 180 days, and paid for in one single payment or easy monthly installments.

Ideal protection for persons:

  • Between jobs, laid off, on strike
  • Attending school or recently graduated
  • Employed part-time or temporarily
  • Waiting for permanent health insurance to begin
  • Temporarily without health insurance for most any reason
The short term health insurance plans we offer are not an HMO or PPO 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.

Important Information About Short Term Health insurance

Short term health insurance is a short term health insurance plan (typically 1 to 6 months) and should NOT be used as a substitute for standard, long-term health insurance.
  • Short term health insurance plans are intended as interim or "gap" coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date.
  • Short term plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations.
  • Short term plans are exempt from HIPAA legislation. This means that when issuing a short term health insurance policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals.
  • Most importantly, short term health insurance plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time.