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Short Term Health Insurance: An
Affordable Option
Procuring an affordable health insurance in the United States
involves many complications and regulations. Matters
become more confused with the prevalence of varied types
of plans, including state-sponsored, employer-sponsored
and self-employed or individual insurance. In such
cases, a lesser-known option is the Short Term Health
Insurance policy that is greatly helpful in covering up
the health care expenses of you and your family.
What is a Short Term Health Insurance?
A short-term health insurance policy generally covers
only catastrophic health problems. It is similar to life
insurance policies since it is a health insurance policy
that can be adopted for a specific amount of time.
It excludes childbirth and usually all
pre-existing medical conditions. They are often very
hard to qualify for and usually have very strict
qualifying conditions attached to them and require long
and strict procedures in applying.
Short term health insurance policies are usually valid for anywhere from 6 to 12 months
from the date of acceptance. These policies can be used
to provide the same type of health care benefits
available from any other group insurance plan. Short
term health insurance policies can offer coverage for
major doctor visits, medical, discounts on prescription
drugs and vision examinations and even dental care.
Who should avail Short Term Health Insurance?
Short term health insurance policies are specially
designed for those individuals who have been recently
laid off or are temporarily unemployed. However, in some
states of the
US, state law requires
that the individual continue to be covered by their
employer-sponsored policy for three to six months after
they leave the job. In California for an
example, you may have the right to remain covered by
your policy under law for six months after you are
unemployed. Even after the six month term is over, some
individual states offer state-assisted insurance
coverage to help you get through a few more months of
unemployment. So depending on where you live and how
long you have been unemployed, short-term health
insurance can prove to be a good option for you.
Benefits of Short Term Insurance Policies
Short term insurance policies are extremely affordable, enabling any common
person to avail its benefits. People can procure the
following benefits:
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Majority of
short-term policies are designed for laid-off or
unemployed workers.
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Since the
insurance companies realize that money can be tight
in these situations, the policies are especially
designed to be as affordable as possible, while
still offering a solid level of health coverage for
the individual and their family.
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Unlike many
long-term plans, short-term policies normally do not
require a physical examination before you are
accepted.
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Due to the
prevalence of outstanding circumstances of someone
being laid off or losing their job, the policies are
also designed to go into effect quickly, so there
can be little or no lapse in coverage for your
family.
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Short-term
policies are highly affordable for those who do not
live in a state that mandates extended health
insurance coverage.
Please visit us at www.short-termhealthinsurance.com for
Medical Insurance Quote Online.
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