Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Affordable short term health insurance is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people who are recent college graduates or on strike. With affordable short-term health insurance, you have time to compare and contrast individual health plans and make it through the waiting period without feeling desperate.
Short term health insurance tends to often be limited indemnity health insurance plans that consist of solely catastrophic health coverage. Therefore, the majority of short term health insurance plans do not cover doctor visits, prescription medications, or other preventative care. Temporary health insurance deductibles are generally higher. As a result, affordable short term health insurance monthly premiums can be as little as $25. The most popular short term health insurance plans tend to last for six months or less, and most temporary health insurance policies are non-renewable. In order to extend your temporary health insurance coverage, you need to reapply.
Underwriting standards for affordable temporary health insurance are normally stricter than normal individual or family plans. If you have a pre-existing condition, you may not be able to buy a short term health insurance plan at all. In this case, an individual policy may be a better value than short term health insurance if you can afford to wait a little while before your coverage takes effect. Most individual plans allow you to cancel coverage at any time.
Short term health insurance plans are ideal when you need medical coverage for a short, yet defined period of time and need it immediately. This is because temporary health insurance is normally paid for in advance. Such plans offer less comprehensive benefits than most standard individual plans, but HPA short term health insurance plans also offer policyholders greater flexibility when choosing providers. Quality Health Choice can help you decide whether short term health insurance fits your needs. We have licensed health insurance agents who are able to provide you with a short term health insurance quote, in addition to guidance in selecting temporary health insurance.