Short Term Health Insurance
Short term health insurance may be a wise choice for recent college graduates or others who will be uninsured for a short time.
Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs, an alternative to COBRA, temporary worker, or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. If you need coverage for longer than 12 months you should research a permanent health insurance plan. However you will need a short term health plan to cover you for the couple of months that it takes to underwrite a permanent plan.
Short term health insurance plans do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years.
Short term health insurance may be a wise choice for recent college graduates or others who will be uninsured for a short time. Although temporary health insurance plans won't be a permanent solution to your health care needs, they will ensure continuity of coverage.
To qualify for most short term medical insurance programs, you need to be in fairly good health and be under 65 years of age. In general, temporary health insurance plans end after the specified policy period. Normally, these plans can not be renewed, and you'll need to find health insurance coverage through a long-term plan.
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Short Term Health Insurance
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