Short Term Medical Insurance Plans A Brief Explanation
Taking up short term medical 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 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 temporary insurance need to complete a small health qualification questionnaire which is necessary for coverage approval.
Short term health insurance covers various factors such as, tissue or bone marrow transplant, & Surgery Fees, Outpatient Doctor Office fees and Diagnostic & lab fees.
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.
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 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.
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