Short Term Health Insurance – Why You Should Consider It

People would think about traditional health insurance with office visits, co-payments, and prescription drug coverage when they think of health insurance. This health insurance is not always available – perhaps you are between jobs, employed part-time or with a temporary agency that does not offer full health coverage, or you might be attending or just graduating from school. In these situations, traditional health insurance is sometimes not available. Short-term health insurance is your best bet if you are unable to afford traditional health insurance but would like some coverage in the case of an accident or emergency.

Filling the gap in health insurance coverage is short-term health insurance and this is a short-term solution that offers short-term coverage and at some point, it is expected that you will start or resume traditional insurance coverage. It is designed to cover only emergencies or serious medical expenses such as as x-rays, ambulance fees, intensive care, and a certain amount of hospital care and it’s also designed for those who would like some coverage in case of injuries or accidents. Though policies vary, these are often standard in short-term health insurance coverage. But regular physician visits are not covered by short-term health insurance nor do they cover pre-existing conditions.

But remember that short-term health insurance does not cover pre-existing conditions nor do they cover regular physician visits. If this sort of coverage is what you are looking for, then you need to obtain a traditional health insurance policy or look into other options.

Short-term health insurance costs vary greatly; you will have a monthly premium, ranging anywhere from $25 to $100, depending upon the plan’s coverage and deductible, which often begins at $250 and can increase to $5,000. Offering a reasonable pay-out amount, often one or two million dollars, are most policies these days. Allowing you to choose coverage for specific lengths of time are some policies and these would include 30 to 90 days or six months, but almost no short-term policies extend past one year.

Do you know how you can find short-term health insurance? Although it may seem difficult, but it’s really not. Short-term health insurance coverage if offered by a number of companies and you can find these with a simple Internet search. By searching online, you will have the opportunity to compare different plans and different companies. Just be sure to research each of the policies carefully to understand your maximum pay-out as well as deductibles, coverage, and other terms of the agreement. There are times when a short-term health insurance policy will help you make sure that you are covered for emergencies. Although traditional health insurance provides better coverage, short term policies can help you when you need it most.

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