Short Term Medical Insurance Policy A Brief Explanation

By Ray Sondeo

People who come under the following categories are the most eligible and suited to take up temporary insurance ? people who are switching jobs, people who are still deciding about medical insurance options, people who qualify for Medicare, people who are on COBRA and people who have graduated.

Short term health insurance is very essential as it provides protection against any illness or injury sustained during the coverage period. Usually short term health insurance plans do not offer protection against physicals, immunizations, dental or vision care, pre-existing medical conditions and preventive care.

Citizens of U.S who are less than 64 years of age, their spouses and children are eligible to take up short term insurance. Every person who desires to take up short term health insurance needs to fill in a health questionnaire, based on which the coverage is given.

Short term health insurance covers various factors such as, tissue or bone marrow transplant, & Surgery Fees, Outpatient Doctor Office fees and Diagnostic & lab fees.

Short Term Health Insurance provides insurance for a minimum period of one month to a maximum period of 12 months. The maximum coverage offered under this plan is up to one or two million dollars.

There are various companies that offer short term health insurance plans and the policies and coverage are subject to change, depending on the plan. We have to go through all the plans and then select a plan that can satisfy all our requirements.

Some of the short term health insurance plans are - Golden Rule United Healthcare Short Term Insurance, Secure 12x3 Short Term Medical Insurance, Assurant Short Term Health Insurance and Secure Short Term Medical Insurance.

Assurant Short Term Health Insurance needs to be bought for at least a month and can be taken for a maximum of a year. Citizens of U.S less than 64 years who are not eligible for Medicare, children less than 19 years, non-U.S citizens who have resided in U.S for at least a year are all eligible to purchase this plan. The terms and conditions associated with several other short term health insurance plans are more or less the same.

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