"Short Term" or temporary health insurance
provides coverage for a time period from one to
twelve months "only."The total length of coverage
will not exceed twelve months.
Who Uses "Short Term" Health
Insurance?
Someone between
jobs.
Someone awaiting
approval for a new health insurance plan
to activate.
Someone who just
dropped off their parents' policy because
they graduated from college or they hit
the maximum age limit and need health
insurance before they find a full-time
job. The new health reform law will
change this situation as young adults can
remain on their parent's policies longer
in many cases.
What
Type Of Coverage Exists?
"Short Term"
policies normally cover various hospital
charges, office visits, and diagnostic
tests. They do not confine you to any
network of doctors. You do have the
freedom to go to any doctor.
Deductibles
are exercised and vary in amounts.
Sometimes the deductible is "per" injury
or illness. This means that
you must meet the deductible every time
you exercise the policy.
