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Short Term Health Insurance: What is in and What is out
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Short Term Health Insurance is temporary yet manageable, ideal, comprehensive and so far, the lowest-cost type of medical insurance coverage throughout the USA for the following healthy people:
- Self-employed and Unemployed
- recently laid off or a terminated employee
- In between career transition
- College students or Fresh college graduates
- In need of a lower-cost alternative to COBRA
- People in non-traditional jobs
- In between long term health insurance plans
- A dependent no longer covered under the parents’ plan
Short Term Health Insurance provides a comprehensive and wide coverage of health services including prescription drugs, laboratory tests, X-rays, hospital rooms including intensive care unit and board charges inpatient and outpatient services, home health care and more. Coverage is available for as little as 30 days or for as long 6 months depending on your state of residency although some plans will cover initially for up to 12 months. But if you need coverage beyond this, you may want to look at a more permanent health insurance option. In addition to its limitations, this type of insurance plan does not cover most of the features of a permanent insurance plan such as routine medical exams, preventive care, dental or optical care, or pregnancy and childbirth expenses.
Nevertheless, despite the benefit limits of short term health insurance plans, it can help fill the gaps in your health insurance coverage. And it’s what the doctor usually prescribes. So if you are one of the millions of Americans who will be buying individual health insurance, here’s good news for you: competition among the health insurance providers has driven the cost of short-term coverage down to much less than the cost of a monthly car payment for most people. One of its major appeals is its low premiums since the policies do not cover for any pre-existing conditions. Since the eligible in this insurance is a cluster of healthy people, the cost of it remains low since few people will likely to have claims.
A short term health insurance plan rarely requires physical exam and the coverage begins as soon as the insurer receives and approves your application. The policy works like an indemnity plan which generally lets you choose the doctor and specialist you want. However, most short term insurance plans require pre-certification, which is an obligation that you should become familiar with. In most insurers, the eligibles are- you and your spouse under the age of 65, the unmarried dependent children under the age of 19, only child from age 2 through 18.
For how long can you be insured in this plan? The insurer will define the term and will issue a temporary need. If the need for temporary health insurance continues, you may apply for another coverage period. Your application is subject to eligibility and underwriting requirements. Furthermore, the coverage is no longer continuous. Short term health insurance policies are exempt from the Health Insurance Portability and Accountability of 1996. Also, most insurance providers do not guarantee the renewabilitiy of the contract.
Different health insurance plans have their own advantages and disadvantages. The choice of what best fits you depends on your needs, financial capacity and status. This is why you have to shop first and study the different features and choose the one that most appeal to you.
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