Short Term Temporary Health Insurance
About Short-Term Health Insurance
Short-term health insurance is also sometimes called temporary health insurance.
To see if a short-term health insurance policy is right for you, ask yourself
these few simple questions:
- Are you between jobs?
- Need coverage to start tomorrow?
- Do you only need health coverage until your benefits at work begin?
- Have you had difficulty qualifying for a medically underwriten plan?
If you answered, "Yes" to one or more of these common situations,
then a short-term health insurance plan may be the right fit for you.
Keep in mind that coverage on short-term plans always last for a year or less. But
if you need coverage for less than a year, then you may want to consider taking
out a short-term health insurance plan. These health insurance policies feature
a lightning quick underwriting process, and very affordable monthly payments. See
if a short-term health insurance policy is right for you. Get a
short-term health insurance quote
now!
When shopping for short-term health insurance it pays to shop around and get multiple
rate quotes from different companies.
How does short-term health insurance work?
Short-Term health insurance is designed to cover an individual during a brief gap
in standard health coverage, like when an individual is waiting to be enrolled in
an individual health insurance policy, or is in-between jobs. Short-term health
insurance is generally available for terms of anywhere between one and twelve months.
Because temporary health insurance policies are generally non-renewable (you have
to re-apply to extend coverage) they are appropriate only for people in between
coverages, and should not be purchased in place of regular coverage. However, if
you're between jobs, on strike, recently graduated, or simply waiting on a new individual
health plan to take effect, short-term health insurance can provide you and your
family with some much-needed security.
The typical short-term policy covers most of the same services a permanent policies
do, with some differences.
As most short-term health insurance policies are fee-for-service (indemnity) plans,
preventative and routine care (like check-ups) won't be covered, nor will dental
or vision care. Most temporary health insurance is very strict about denying coverage
for pre-existing conditions.
Most short-term health insurance policies can be adapted to extend coverage to a
spouse and dependents.
Short-term health insurance is a very affordable policy. The monthly premium on
a standard short-term health insurance policy may be as low as $25 per month, depending
on what deductible is chosen.
Available plans
HealthInsurancePlus.com offers several high quality short-term health insurance
plans to meet every need. The premire short-term health insurance plan is offered
by Blue Shield. The Blue Shield Option 12 is one of the best options for short-term
coverage. The Blue Shield Option 12 is unique in that you can keep the coverage
in force for up to one year. Unlike other plans that only offer six months protection,
the
Blue Shield Option 12
is an excellent plan offering true protection at affordable short-term prices.
If you are looking for a plan to cover office visits with a co-pay, and not subject
to a large deductible, another excellent option is the Health Net Quick Net $750.
A six month short-term policy, this plan offers a co-pay for doctors office visits
and perscription drugs that is NOT subject to the deductible!
HealthInsurancePlus.com also offers short-term plans from
Blue Cross, Assurant and Celtic as well.
If you are thinking about short-term coverage, let us help you pick the best plan
at the best price to meet your needs and exceed your expectations. Call us at 877-758-PLUS
(7587) or complete an online rate quote for short-term health insurance coverage
today!