Flexible Short Term Health Insurance Plans
People who are ineligible for insurance through an employer for a limited amount of time and those who are between jobs may need short term health insurance coverage in the interim. Temporary health insurance gives a person the opportunity to carry health insurance for a limited term of six to twelve months.
Wouldn't it be cheaper not to carry short term medical insurance?
Whether or not it would be cheaper to opt for no coverage during a temporary period of time depends on if you experience a costly medical emergency. However, it is important to carry health insurance even if you do not anticipate having a medical problem. Even if you are completely healthy, it is possible for you to be injured in everyday life. An accident can result in mounting medical debt that you could carry for the rest of your life.
One of the most important reasons to carry short term medical insurance is for peace of mind. You will know that you are covered just in case, and you will be able to handle the medical bills if a medical emergency arises. Even if you do not use the health insurance during the interim in which you are not eligible for other forms of health insurance, insuring yourself in case of an emergency is essential to your medical and financial well-being.
What does short term insurance cover?
Health Insurance that is short term covers an individual or family for a limited period of time is typically not intended to be used for routine exams or prescriptions. The point of this health coverage is to cover you and your family in the event that a serious medical emergency occurs during the temporary coverage period.
I have a pre-existing medical condition that requires regular care. Is a short term plan right for me?
If you are dealing with a pre-existing condition, you may still be eligible for a short term health insurance plan, but you should seek out the assistance of an insurance representative who can explain your options based on your specific needs.
A short term insurance plan is perfect for anyone who only needs insurance coverage for a short period of time. If you are dealing with a period of time in which you are uninsured, obtain short term insurance to keep you and your family covered in case of a medical emergency. You can't afford to go without this peace of mind.