If you are looking for individual short term health insurance coverage for whatever reason, whether or not it is because you are not working now and haven’t tied up your next job or have graduated and not working yet and are not covered under any policy, then this article will tell you what your options are.
When you’re working you are usually covered by your employer’s health insurance but finding cheap health insurance or at least low cost or affordable health insurance plan can be a little harder to find. When this happens many people seek out short term health insurance policies.
A temporary short term health insurance policy may or may not be the answer for some people. It offers only basic coverage. This policy is only for a temporary period. They generally are for a six month period. When it expires you can buy another short term health insurance policy form the same company.
Short term policies can only be issued for a total of 365 days in a 555 day period. By taking out two polices, one after another, insurance companies will usually not cover you for any preexisting condition that happened during the first policy.
You need to know that any condition you had before you were issued a low cost short term health insurance policy may not be covered. These preexisting conditions include any symptoms you had that relate to want you want to file a claim for, injury, illness, or any treatment you received from in an emergency room, urgency clinic or doctor visit.
Short term health insurance policies are designed to help people with major medical expenses only. These cheap or low cost health insurance policies are attractive but will not cover the preexisting conditions mentioned above and also physical exams, immunizations, pregnancy, childbirth, heart or liver transplants, mental illness or drug addiction or any substance abuse.
Make sure to look over carefully the actual policy that would be issued by the health insurance company and pay attention to any of the exclusions. There can be quite a few. You want to know exactly what you’ll be covered for. Preexisting conditions won’t be covered even if you weren’t seen by a physician. And if you take out a second short term policy it won’t cover any treatment that was covered in the first short term policy – it will be considered a preexisting condition.