• Short Term Health Insurance Blog

  • Friday, August 18, 2017

  • When To Purchase Short Term Insurance?

    Filed Under: Blogging

Let’s say you are not eligible for a long-term health insurance plan. That might be because of a variety of reasons—you have just graduated from college, you are in between jobs, or have just decided to take a break from your job. Purchasing private long-term health insurance can prove to be a tall order when you don’t have a dependable steady income. In this situation, even if COBRA insurance is offered, short term health insurance may prove a better option.

Temporary insurance, by its very definition, does not cover pre-existing conditions. It is meant for short periods (typically less than 18 months) and is not recommended as a replacement for long term health insurance. Short term medical plans do not cover routine preventive doctor visits either, something that is a must for maintaining good health.

If you are purchasing short term medical insurance, and expect the coverage to last for around six months, you might want to consider purchasing separate dental insurance as well. Also remember that because the temporary insurance does not cover preventive care, you will need to be extra cautious.

Temporary insurance usually covers inpatient and outpatient care, ambulance services, diagnostics and some prescriptions. It excludes, apart from pre-existing conditions, normal pregnancy, experimental medicine, alternative medicine, fertility treatment, eye and dental care, and mental health. Consider short term coverage if you need health insurance for a short period, with a small budget.

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