Understanding Temporary or Short Term Health Insurance

The need for temporary or short term health insurance can arise for a variety of reasons.  Perhaps you find yourself between jobs or have started a new job and are waiting for the health insurance to take effect.  Perhaps you are a recent college graduate who hasn't found a job yet and are no longer carried under your parents policy. Or perhaps you have just lost your coverage through your employer. Whatever the reason, going without any health insurance for any length of time, can be a risky proposition.  Fortunately, if you find yourself in such a predicament, you have the option of going with a short term health insurance policy.

What Is Temporary or Short Term Health Insurance Coverage?

Temporary or short term health insurance basically provides coverage for a limited period of time, typically up to six months, although some plans may offer coverage for up to 12 months.  Most short term plans require a minimum of 30 days.  Of course, if you think you will need coverage for longer than 12 months, you may want to consider a standard, longer term option such as an individual or family health insurance plan.

What Do These Plans Cover?

While short term health insurance plans typically cover most of the same types of medical occurrences that permanent policies do, there are some significant differences.

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