Could I Benefit From A Short Term Health Insurance Plan?

Press Release (ePRNews.com) - Washington, DC (USA) - May 18, 2017 - Health insurance short term is a temporary insurance coverage option that provides you with a smart and affordable method to keep your insurance coverage continuous.

Some of the best short term health insurance plans are available on the market. They provide coverage against any catastrophe, accidents, or profound medical conditions. However, they are different from comprehensive health insurance plans that provide coverage for preventive care, immunization, physical exams, and at times also cover dental or vision care.

It is easy to find a cheap short term health insurance that fits your requirement. You can choose a plan for one month, three months, six months, or even a year, depending on your coverage need. Some people may not need comprehensive coverage due to various reasons such as travelling abroad. In such situations, health insurance short term coverage provides great value while also saving money. Once you are back, you can get yourself another insurance coverage plan that covers your needs. Short term insurance also allows people to gauge the provider’s services before opting for a comprehensive plan. If you are satisfied with the insurance provider, you may choose to stick else switch over to another provider.

Remember, companies that offer health insurance do not renew short term health insurance coverage. So, if you were to opt for short term health insurance again, you will need to buy it yet again. Also, health insurance short term coverage does not include a pre-existing condition and you may be denied coverage for any such condition. If you fail to disclose your pre-existing condition and fall sick, you may well be denied payment or worse be dropped from coverage.

Short term health plans lack the protections provided under the Affordable Care Act (ACA) and therefore do not qualify to be called minimum essential coverage. However, they do work the way, health plans did before ACA. So, you can choose the best short term health insurance according to your specific requirement before transitioning to a full coverage.

 

Although, you may be denied health insurance short term coverage even for non-health reasons, it may help you keep your coverage continuous for a short duration. It is only a temporary solution that can provide value and coverage for a short period. Therefore, when buying a cheap short term health insurance plan, ensure that the end of this temporary coverage coincides with the beginning of the new plan.

Source : Pro health insurance quote

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