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Short Term Health Insurance Plans

Short term health insurance may be necessary for a number of reasons. Those who might need short term health insurance include:

• Those who are between jobs
• Recent graduates
• Seasonal employees
• Dependents who are no longer covered under their guardian’s plan
• Anyone else who finds themselves without coverage.

A short term health insurance is a plan that covers you for a short period of time, usually up to 6 months. In most cases, this type of insurance is intended to be used in the case of unexpected accidents and illnesses. For this reason, you should consider purchasing a permanent health insurance plan if you will need coverage for longer than 6 months because short term health insurance plans may not cover routine checkups.

The options for paying for a short term health insurance plan include monthly or lump sum payments. The option that you choose will depend on your needs for the plan. If you opt to pay the entire plan cost in one sum, it will amount to a smaller per month cost than if you were to pay on a monthly basis. However, if you are not sure how long you will need coverage, month to month payments might be the better option. If you pay for six months of coverage and acquire new coverage after only two months, you will most likely not have the other four months of payments returned to you.

There are certain restrictions when it comes to short term health insurance. As previously mentioned, the length of the short term plans are usually limited. In most cases, the duration of these terms is less than six months, although some plans may allow coverage for up to 12 months. Also, most short term plans only allow you to reapply for coverage once.

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