The Facts About Short Term Health Insurance
IIn some cases, when you are in between jobs or waiting for another health insurance to be in force
, you may experience a difference during the interim. During this time when you are effectively uninsured, things become risky and dangerous. You begin to raise doubts on what to do during this gap. The best recourse is to engage a short term health insurance policy to cover that gap. But it is important to remember that such insurance is good only for a limited time.Normally, these short term insurance policies are good for a period of only six months or less. In some instances, it can extend up to a full one year term. Should you choose to have longer durations, it is recommended for you to get already the standard insurance policies.
Application for the short term health insurance is usually simpler than the standard insurance policies. But there are certain special coverage protection features in the short term insurance policies that are not present in the normal and comprehensive health protection. The more advanced treatments and services like preventive medical treatments, dental and eye care, immunization shots, and physical tests are usually excluded in these stop-gap insurance options.
In considering short term plans, the professionals are of the opinion that these will effectively bar you from assured health plans for the longer term. These plans are generally considered as Health Insurance Portability and Accountability Act plans or HIPAA plans.
These plans are normally more expensive than the regular and longer term plans given by insurance companies. For those with pre-existing medical conditions, it becomes even harder to get their insurance. It is worthy to be able to know the provisions of the HIPAA in order to get the appropriate policy for yourself.
People should also be aware of the fact that short term health insurance plans do not cover prior medical conditions. Basically, the provisions that are effected depend on existing laws and ordinances for a given location. If you have a medical condition that has been with you for the last 3 to 5 years, the short term insurance will not cover such circumstances in your policy. In such cases, it would be better to extend your existing insurance than get an entirely new short term insurance.
Professionals are of the position that short term health insurance is meant to shield you from transition periods in your life such as going in between jobs, waiting for a comprehensive insurance plan, or waiting for a group insurance policy to be in force. This insurance can also be extended to cover the spouse and the children and this of course entails additional premium costs. While these policies usually last from 1 to 6 months, it cannot be renewed but instead new policies of the same terms could be engaged.
The Facts About Short Term Health Insurance
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