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ÿþS h o r t T e r m H e a l t h I n s u r a n c e : W h a t s i n a n d W h a t s o u t < b r > < b r >
from:S h o r t T e r m H e a l t h I n s u r a n c e i s t e m p o r a r y y e t m a n a g e a b l e , i d e a l , c o m p r e h e n s i v e a n d s o f a r , t h e l o w e s t - c o s t t y p e o f m e d i c a l i n s u r a n c e c o v e r a g e t h r o u g h o u t t h e U S A f o r t h e f o l l o w i n g h e a l t h y p e o p l e : < b r > < b r >
üð S e l f - e m p l o y e d a n d U n e m p l o y e d < b r > < b r >
üð r e c e n t l y l a i d o f f o r a t e r m i n a t e d e m p l o y e e < b r > < b r >
üð I n b e t w e e n c a r e e r t r a n s i t i o n < b r > < b r >
üð C o l l e g e s t u d e n t s o r F r e s h c o l l e g e g r a d u a t e s < b r > < b r >
üð I n n e e d o f a l o w e r - c o s t a l t e r n a t i v e t o C O B R A < b r > < b r >
üð P e o p l e i n n o n - t r a d i t i o n a l j o b s < b r > < b r >
üð I n b e t w e e n l o n g t e r m h e a l t h i n s u r a n c e p l a n s < b r > < b r >
üð A d e p e n d e n t n o l o n g e r c o v e r e d u n d e r t h e p a r e n t s p l a n < b r > < b r >
S h o r t T e r m H e a l t h I n s u r a n c e p r o v i d e s a c o m p r e h e n s i v e a n d w i d e c o v e r a g e o f h e a l t h s e r v i c e s i n c l u d i n g p r e s c r i p t i o n d r u g s , l a b o r a t o r y t e s t s , X - r a y s , h o s p i t a l r o o m s i n c l u d i n g i n t e n s i v e c a r e u n i t a n d b o a r d c h a r g e s i n p a t i e n t a n d o u t p a t i e n t s e r v i c e s , h o m e h e a l t h c a r e a n d m o r e . C o v e r a g e i s a v a i l a b l e f o r a s l i t t l e a s 3 0 d a y s o r f o r a s l o n g 6 m o n t h s d e p e n d i n g o n y o u r s t a t e o f r e s i d e n c y a l t h o u g h s o m e p l a n s w i l l c o v e r i n i t i a l l y f o r u p t o 1 2 m o n t h s . B u t i f y o u n e e d c o v e r a g e b e y o n d t h i s , y o u m a y w a n t t o l o o k a t a m o r e p e r m a n e n t h e a l t h i n s u r a n c e o p t i o n . I n a d d i t i o n t o i t s l i m i t a t i o n s , t h i s t y p e o f i n s u r a n c e p l a n d o e s n o t c o v e r m o s t o f t h e f e a t u r e s o f a p e r m a n e n t i n s u r a n c e p l a n s u c h a s r o u t i n e m e d i c a l e x a m s , p r e v e n t i v e c a r e , d e n t a l o r o p t i c a l c a r e , o r p r e g n a n c y a n d c h i l d b i r t h e x p e n s e s . < b r > < b r >
N e v e r t h e l e s s , d e s p i t e t h e b e n e f i t l i m i t s o f s h o r t t e r m h e a l t h i n s u r a n c e p l a n s , i t c a n h e l p f i l l t h e g a p s i n y o u r h e a l t h i n s u r a n c e c o v e r a g e . A n d i t s w h a t t h e d o c t o r u s u a l l y p r e s c r i b e s . S o i f y o u a r e o n e o f t h e m i l l i o n s o f A m e r i c a n s w h o w i l l b e b u y i n g i n d i v i d u a l h e a l t h i n s u r a n c e , h e r e s g o o d n e w s f o r y o u : c o m p e t i t i o n a m o n g t h e h e a l t h i n s u r a n c e p r o v i d e r s h a s d r i v e n t h e c o s t o f s h o r t - t e r m c o v e r a g e d o w n t o m u c h l e s s t h a n t h e c o s t o f a m o n t h l y c a r p a y m e n t f o r m o s t p e o p l e . O n e o f i t s m a j o r a p p e a l s i s i t s l o w p r e m i u m s s i n c e t h e p o l i c i e s d o n o t c o v e r f o r a n y p r e - e x i s t i n g c o n d i t i o n s . S i n c e t h e e l i g i b l e i n t h i s i n s u r a n c e i s a c l u s t e r o f h e a l t h y p e o p l e , t h e c o s t o f i t r e m a i n s l o w s i n c e f e w p e o p l e w i l l l i k e l y t o h a v e c l a i m s . < b r > < b r >
A s h o r t t e r m h e a l t h i n s u r a n c e p l a n r a r e l y r e q u i r e s p h y s i c a l e x a m a n d t h e c o v e r a g e b e g i n s a s s o o n a s t h e i n s u r e r r e c e i v e s a n d a p p r o v e s y o u r a p p l i c a t i o n . T h e p o l i c y w o r k s l i k e a n i n d e m n i t y p l a n w h i c h g e n e r a l l y l e t s y o u c h o o s e t h e d o c t o r a n d s p e c i a l i s t y o u w a n t . H o w e v e r , m o s t s h o r t t e r m i n s u r a n c e p l a n s r e q u i r e p r e - c e r t i f i c a t i o n , w h i c h i s a n o b l i g a t i o n t h a t y o u s h o u l d b e c o m e f a m i l i a r w i t h . I n m o s t i n s u r e r s , t h e e l i g i b l e s a r e - y o u a n d y o u r s p o u s e u n d e r t h e a g e o f 6 5 , t h e u n m a r r i e d d e p e n d e n t c h i l d r e n u n d e r t h e a g e o f 1 9 , o n l y c h i l d f r o m a g e 2 t h r o u g h 1 8 . < b r > < b r >
F o r h o w l o n g c a n y o u b e i n s u r e d i n t h i s p l a n ? T h e i n s u r e r w i l l d e f i n e t h e t e r m a n d w i l l i s s u e a t e m p o r a r y n e e d . I f t h e n e e d f o r t e m p o r a r y h e a l t h i n s u r a n c e c o n t i n u e s , y o u m a y a p p l y f o r a n o t h e r c o v e r a g e p e r i o d . Y o u r a p p l i c a t i o n i s s u b j e c t t o e l i g i b i l i t y a n d u n d e r w r i t i n g r e q u i r e m e n t s . F u r t h e r m o r e , t h e c o v e r a g e i s n o l o n g e r c o n t i n u o u s . S h o r t t e r m h e a l t h i n s u r a n c e p o l i c i e s a r e e x e m p t f r o m t h e H e a l t h I n s u r a n c e P o r t a b i l i t y a n d A c c o u n t a b i l i t y o f 1 9 9 6 . A l s o , m o s t i n s u r a n c e p r o v i d e r s d o n o t g u a r a n t e e t h e r e n e w a b i l i t i y o f t h e c o n t r a c t . < b r > < b r >
D i f f e r e n t h e a l t h i n s u r a n c e p l a n s h a v e t h e i r o w n a d v a n t a g e s a n d d i s a d v a n t a g e s . T h e c h o i c e o f w h a t b e s t f i t s y o u d e p e n d s o n y o u r n e e d s , f i n a n c i a l c a p a c i t y a n d s t a t u s . T h i s i s w h y y o u h a v e t o s h o p f i r s t a n d s t u d y t h e d i f f e r e n t f e a t u r e s a n d c h o o s e t h e o n e t h a t m o s t a p p e a l t o y o u . < b r > < b r >
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