Short Term Health Insurance Blog
Wednesday, April 26, 2017
In Sickness and in Health: Sharing Short Term InsuranceFiled Under: Blogging
Short term health insurance is generally something of a stop-gap arrangement. But if you are the main breadwinner of the family, your insurance will likely need to cover the entire family.
It is very tempting to think that since you have purchased an insurance policy only for the short term, maybe while you are waiting to take on a permanent medical plan, there is no need to go overboard and purchase insurance for everyone else as well. You might think that will only make it more complicated. But even six months without any health insurance is a long time. The health of the couple is always important to ensure smooth running of the family and it makes sense, if it isn’t mandatory, for everyone in the family to remain insured.
Most short term health insurance plans allow you to add your spouse and children to the same plan. The spouse should be less than 65 years old and should not be covered by any other medical insurance.
If you apply for insurance for your spouse under the Secure Saver plan, the daily deductible family maximum is considered as satisfied if two members of a family each satisfy their individual daily deductible. Sometimes, it makes more sense to purchase family insurance than individual plans.