Insurance

	Printer-friendly Format
	Add your comments
	Closed

As the name suggests, short term health insurance is health coverage that is purchased for only a short period of time. Most companies that offer this type of health insurance will allow you to choose

As the name suggests, short term health insurance is health coverage that is purchased for only a short period of time. Most companies that offer this type of health insurance will allow you to choose from coverage lengths ranging from 30 days to 12 months. Short term health insurance coverage can protect you in the event of an unexpected illness or injury. Unlike many health insurance plans out there, short term health insurance allows you to choose your doctors and hospitals and pays for all covered expenses once your deductible and coinsurance amounts have been met.

Short Term Health Insurance Overview

Short term health insurance, also called temporary health insurance, is designed to provide coverage for major hospital, medical, and surgical expenses incurred as a result of medically necessary care for a covered illness or injury. Coverage is provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital services, and out-of-hospital care, subject to any deductibles or rate of payment provisions or other limitations which may be set forth in the policy.

Unlike standard health insurance, these temporary health insurance policies always have a termination date. The expiration date of coverage is determined by the length of coverage you choose to purchase at the time of applying. Some temporary health plans allow you to choose a monthly billing option for the specified length of coverage. This option allows you to terminate coverage voluntarily before the expiration date disclosed on the policy.