Taking up short term health insurance is a recommended option for people who stay in the United States, people who are in the midst of looking up other insurances, people who are still awaiting Medicare, students who have graduated and people who are on COBRA.
Short term health insurance is very essential as it provides protection against any illness or injury sustained during the coverage period. Usually short term health insurance plans do not offer protection against physicals, immunizations, dental or vision care, pre-existing medical conditions and preventive care.
People who are residents and citizens of U.S and less than 64 years qualify to purchase short term insurance. It is mandatory for all the people who are interested in purchasing this plans to fill in their details in a short health qualification questionnaire to determine their eligibility for the plan.
Short term health insurance covers various factors such as, tissue or bone marrow transplant, & Surgery Fees, Outpatient Doctor Office fees and Diagnostic & lab fees.
Short term health insurance needs to be bought for a time period of at least 3 months and the maximum time period for which it can be bought is 12 months. Depending on the plan, benefits up to a maximum of $1-2 million are offered to insurers.
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.
Some of the short term health insurance plans are – Golden Rule United Healthcare Short Term Insurance, Secure 12×3 Short Term Medical Insurance, Assurant Short Term Health Insurance and Secure Short Term Medical Insurance.
Assurant Short Term Health Insurance can be bought for a time frame of at least 30 days and a maximum time frame of 360 days. This plan provides coverage to U.S citizens who are less than 64 years of age and who do not qualify for Medicare. Even children less than 19 years of age can buy this plan. People who are not U.S citizens need to have stayed in U.S for at least a year in order to be eligible to take up this plan. The terms and conditions of other short term health insurance plans are also on similar lines.
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