People who come under the following categories are the most eligible and suited to take up short term medical 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 can provide insurance against possible illnesses or injuries and do not typically include benefits such as preventive care, physicals, immunizations, dental or vision care and pre-existing medical conditions.
This plan is usually valid for U.S citizens who are under the age of 64, their spouses and children. People who seek to take up short term medical insurance need to complete a small health qualification questionnaire which is necessary for coverage approval.
Short Term Health Insurance covers expenses such as Hospital & Surgery Fees, Outpatient Doctor Office fees, Diagnostic & lab fees, Organs, tissue or bone marrow transplant.
The minimum time frame for which short term health insurance can be purchased is for one month and the maximum time frame that it can be bought for is 12 months. Amounts up to $1-2 million dollars are offered as the maximum coverage.
There are several companies that provide Short Term Health Insurance plans and depending on the duration and the benefits you require, you can choose an appropriate plan.
A few of the numerous short term health insurance plans are – Secure 12×3 Short Term Medical Insurance, Assurant Short Term Health Insurance and Secure Short Term Medical Insurance and Golden Rule United Healthcare Short Term 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.
