About Short Term Medical Insurance

Short-term medical insurance is intended to cover a person when they have gaps in their medical coverage. Many people use it when they are changing jobs. Self-employed people find this type of insurance affordable for their situation. No matter why the insurance is needed, it is not designed for long-term usage.

Time Frame

Short-term medical insurance is designed for short-term usage as its name implies. The time frame can last from 30 days up to one year. The consumer can choose the time that best suits their needs.

Cost

When people are changing jobs, they are offered COBRA to fill in the gaps. Short-term medical insurance is much cheaper to fill in those gaps. Even though the premium must be paid entirely by the person, they find this type of insurance more affordable. Most people are not aware of this. If you make one single premium payment, it can be even cheaper.

Features

Short-term medical insurance can be used within 24 to 48 hours after it is applied for. If a person applies online, they can print out ID cards and the entire policy immediately instead of waiting for the information through the mail. Patients can choose any doctor or hospital under the coverage.

Exclusions

Compare plans carefully because some may exclude preexisting conditions but offer a discount program. Some plans may not cover routine doctor appointments. Check with your state because they may not offer short-term medical insurance.