a TEMPORARY HEALTH INSURANCE PLAN FOR THOSE IN- BETWEEN TIMES
Short term health insurance (STM), also referred to as temporary health insurance, is a type of medical coverage that is available for shorter duration of time, such as up to three months. Temporary insurance plans have more restricted coverage than major medical but also can have a lower premium.
What Does Short Term Health Insurance Cover?
Covered expenses for temporary health insurance plans generally include the high-dollar, unexpected care and treatment you may require as a result of an illness or injury – from a serious medical event like a heart attack or stroke to a broken leg or doctor’s office visit due to illness.
Remember, these plans are highly customizable (that’s one of the perks!). The chart below describes benefits that may be covered with short term medical policies.
Individual insurance plans vary, so you’ll want to read the plan details closely to validate the coverage and benefits you’ve selected and what exclusions apply.
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Pros and Cons of Short Term Health Plans
Here are a few of the pros and cons to consider when you're thinking about signing up for a short tearm health plan.
Who Should Get a Short Term Health Insurance Plan?
Temporary health insurance plansare best for people who:
How long can you stay on your parent’s plan? Do you really need insurance if you're young and healthy?
Learn the best health insurance options for young adults and how to decide which one is best for you.
COBRA is not your only option for health insurance if you find yourself unemployed.
Losing your job qualifies you for a special enrollment period for major medical, and there are alternatives like short term health (available year round) as well.
What should you do if you don't get health insurance through your employer?
You may need to purchase major medical coverage on your own, or enroll in an alternative health plan.
Can you buy health insurance that isn’t Obamacare? Yes.
It’s important to note that Obamacare alternatives are not comprehensive health plans and have less coverage than Obamacare plans.
Medicare kicks in at age 65 – so what if you retire before that and lose your job-based group health benefits?
Compare options and select the best one for you.
How Short Term Health Insurance Works
Here's how to use a short term health insurance plan:
Got more short term health questions?
You can buy short term medical coverage from a few sources, including websites such as Health eDeals, a licensed health insurance producer and specific health insurance companies. Learn more about “Who Sells Short Term Health Insurance.” Or, get a quote now through Health eDeals.
They typically do not. However, some states require maternity coverage. Talk with a licensed producer to find out if maternity is covered in your state.
As a general rule, no, short term plans do not cover pre-existing conditions. However, some plans, like Connect Plus, have the option for additional benefits (at additional cost) to provide some coverage for certain pre-existing conditions. Limits do apply, including a dollar limit on the benefit amount the plan will pay out for pre-existing conditions.
Think a short term health care insurance plan may be right for you ?
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How Much Does Short Term Health Insurance Cost?
Ready for a budget-friendly health plan?