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For the In-between Times: Short-term Health insurance policies

September 23, 2008

For the In-between Times: Short-term Health insurance policies

Short-term Health insurance means, temporary health insurance is designed to cover a short term gap in normal health insurance coverage for any number of different reasons and is issued in the expectation that it will be your intention to resume normal health insurance coverage in due course

When people think of health insurance policies, they think of conventional health policies, with office visits, co-payments, and prescription drug insurance coverage. However, such health insurance policy is not always available. Possibly you are transitioning from one job to a different; or perhaps you are employed part-time or with a temporary agency that does not provide full health insurance coverage; or you might be attending or just graduating from school. In these situations, conventional health insurance policy is sometimes not available. If you are not able to afford conventional health insurance policy but would like some insurance coverage in the case of an accident or emergency, short-term health insurance policy is your best bet.

Short-term health insurance policy fills the gap in health insurance coverage that may come about for a number of different grounds, including those listed above. The idea of short-term health insurance policy is built into the name - it is a short-term resolution offering short-term insurance coverage, with the prospect that at some point, you will begin or resume conventional health insurance coverage. It is planned for those who would like some insurance coverage in case of accident or injury and covers only emergency or critical medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital care. Though insurance policies vary, these are often standard in short-term health insurance coverage. Nevertheless, short-term health insurance policy does not cover regular doctor visits, nor do they cover pre-existing conditions. If you are looking for this kind of insurance coverage, you should consider getting a traditional health insurance policy or looking into other alternatives.

Short-term health insurance policy costs vary greatly; you will have a monthly premium, ranging anywhere from $25 to $100, depending on the plan’s coverage and deductible, which often begins at $250 and can increase to $5,000. Most insurance policies these days also offer a fair pay-out sum (often one or two million dollars). Policies allow you to select insurance coverage for specific lengths 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 policy? It is not as hard as it may seem. A simple Internet research will yield a number of companies that offer short-term health insurance coverage. Searching online will also give you the chance to compare different companies and different policies. Just be sure to explore each of the plans cautiously to understand your maximum pay-out as well as deductibles, coverage, and other terms of the agreement.

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