Short Term Health Insurance or Short Term Medical Insurance provides temporary (1 month to 36 months) health insurance protection for those who are in-between jobs, or currently on COBRA health insurance or waiting on another health insurance coverage to become effective. Those waiting on Medicare or fresh college graduates can also consider Short Term Health Insurance.
Temporary health insurance benefits include coverage for medical expenses (both inpatient & outpatient) arising due to sickness or injuries from accidents. These temporary medical insurance plans exclude coverage for vision, dental care, annual physicals, preventative care and pre-existing medical conditions.
Short Term Medical Insurance - Eligibility
Short Term Medical Insurance coverage is available to Residents of USA, less than age 64 their spouses and dependent children.
All applicants must also pass a simple medical questionnaire for short term medical insurance coverage approval. In general a person who is already sick at the time of application will not be eligible for short term medical insurance coverage.
Short Term Health Insurance - Coverage
Short term health insurance protects against unexpected medical bills from accidents and illnesses. Coverage can be quite extensive ranging from hospital, emergency room care to outpatient services and prescription drug benefits. However, coverage for pre-existing conditions, routine care & immunizations are excluded.
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