Short term health insurance is available for the following individuals:-
a) College graduates or young adults who have moved out of home and are no longer included in their parents insurance policy
b) People who are between jobs
c) People in a new job and their health insurance would not start until after the probation period.
Short term health insurance like every health insurance plan may have a benefit limit and the holder would be expected to pay an initial deductible and subsequent co payments.
A policy holder should expect the following
Your application can be sent in by mail or on the Internet
You'll be allowed to choose health care provider, doctors and hospitals
Most insurance companies would not ask for a physical exam.
You'll get coverage for basic health care which would include; out- patient and in-patient services, laboratory examinations, hospital room and board expenses (intensive care unit is included) and x ray.
.payment can be made by check or credit card
Your coverage starts running as soon as the insurance company gets your forms and you pay the first premium.
Because of the nature of short term health insurance, the rates are low. You cannot get all the benefits of a permanent health insurance plan.
This would not cover any illness that you had before you took out the policy. It does not also cover your routine medical expenses. Like your dental appointments, medical checkups, optical care or pre-natal or ante-natal care.
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