Short Term Temporary Health Insurance
About Short-Term Health Insurance
Short Term
Health insurance is policies that are for established policy lengths of a year or
less are generally considered temporary or short term health insurance.
The advantages of short term plans are that they get approved faster and have fewer
medical questions on the application than traditional individual health insurance.
The features of quick underwriting and affordable monthly payments make short term
health insurance a popular option for some shoppers. If you answer yes
to any of the following questions, short term health insurance may be a good fit
for you:
- 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 underwritten plan?
Even when shopping for short term coverage, it's a good idea to get multiple quotes
so you can compare prices, benefits, and coverage in order to find the best deal
for you.
Get a short-term health insurance quote now!
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 between coverage,
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. However, there are some differences. Short term policies are very strict in
denying coverage for pre-existing conditions. They also do not provide dental or
vision coverage. 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 which deductible is chosen.
Plan Comparison
Two of the most popular plans offered by HealthInsurancePlus.com are Anthem Blue
Cross's Short-Term PPO and Health Net's Quick Net Short-Term Coverage. The following
is a side by side comparison of each plan's benefits:
|
|
Anthem
|
Health Net
|
|
Minimum period of coverage
|
30 days
|
30 days
|
|
Maximum period of coverage
|
180 days
|
185 days
|
|
Smallest deductible
|
$250
|
$750
|
|
Largest deductible
|
$2000
|
$4500
|
|
Office visits
|
20%
|
$40 or 25, 30, or 40%
|
|
Inpatient
|
20%
|
20, 25, 30, or 40%
|
|
Prescriptions
|
$10 generic, $30 brand name, $500 maximum
|
$250 deductible/$1000 maximum, $15/$35/$50, or $20 generic only
|
|
Maternity
|
no coverage
|
no coverage
|
|
Daily premium for 30 year old woman in San Diego
|
$2.48-$5.42
|
$1.00-$2.50
|
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!