temporary medical insurance

Temporary Medical Insurance Basics

Temporary health insurance policies are designed to protect against expenses due to illness or injury during gaps in traditional health insurance coverage. Most short term health insurance plans offer coverage for periods of up to six or twelve months. Short term medical insurance can often be re-purchased after termination.

Gaps in traditional health insurance coverage can occur for several reasons. One such situation is the period of time between a student's graduation from college and their employment with a company offering medical benefits. Those people that have been laid off during the recession and need coverage while searching for a new job.

Template Medical Insurance Tips

Short term health insurance is a temporary health insurance plan (typically 1 to 6 months) and should NOT be used as a substitute for standard, long-term health insurance.

Short term health insurance plans are intended as interim or "gap" coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date.

Short term insurance plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations.

Short term insurance plans are exempt from HIPAA legislation. This means that when issuing a short term health insurance policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals.