Short Term Health Insurance

In the short term health insurance is designed for those who want coverage in case of accident or injury and covers only emergency or serious medical expenses, such as X-rays, ambulance fees, care intensive, and a number of hospital care. Although policies vary, these standards are often short term health insurance.

Normally when people think of health insurance, they think of traditional health insurance, with office visits, co-payments and prescription drugs. However, this insurance is not always available. Perhaps you move from one job to another, or perhaps you are employed part time or with an agency that does not offer full health coverage or you can be present or diploma from the school. In these situations, traditional health insurance is sometimes not available.

In the short term health insurance fills the gap in coverage of health insurance coming in May on a number of different reasons, including those listed above. The idea of short-term health insurance is the name - it is a short term solution offering short-term coverage, with the hope that at some point you start or resume coverage of traditional health insurance. If you are unable to afford traditional health insurance, but as a hedge in case of accident or emergency, short term health insurance is your best bet.

However, short term health insurance does not cover visits to the doctor regularly and do not cover pre-existing. If you're looking for this type of coverage you should consider obtaining an insurance policy traditional health or to research other options. In the short term health vary greatly insurance costs, you'll have a monthly premium. Policies allow you to choose coverage with a length of time from 30 days to 90 days or six months, but almost no short-term policies extend past one year.

How do you find short term health insurance?

It is not as difficult as it appears in May A simple Internet search gives a number of companies that offer short term health insurance. The online search will give you the opportunity to compare different companies and different plans. Remember to research each policy carefully to understand your maximum pay-out as well as deductibles, coverage, and other conditions of the agreement. (author)