by J. Stephen Conn

Article by Clara Ghomes

Everyone will agree that health insurance is a crucial part of our lives. It helps us to protect ourselves from accidents and sickness which are not foreseen. However, there are certain situations where one finds it difficult to show insurance coverage such as during change of health insurance where there is a wait period for the insurance to be effective. If you are a fresh college graduate or between jobs, insurance becomes a concern. This is where short term health insurance can help.

What It Entails

Short term health insurance in simple terms is the insurance coverage provided for individuals for a short term period. The duration can vary from 1 month to couple of months depending on your requirements. Another added advantage is that this insurance can be dropped at anytime without any penalty charges. There are different types of short term health insurance offered based on the need or the current status of the person. People who already have any medical conditions may not be eligible for short term health insurance as the scope of coverage for this type of insurance is limited.

A short term insurance provides the same feeling of security and stability when compared to the long term insurance. This ensures that any health problems that occur unexpected can be covered under this scheme. The procedure for applying for these insurance is very simple and only requires very few verifications. There are many websites that offer easy to use online forms which speed up the application procedure.

Applying For It And Costs Involved

Even though short term health insurance is quite cheap and the finances can be arranged easily, there are some who find it difficult to pay for the insurance in one shot. There are multiple options available for these people where they can even split the payment across months. This helps them to balance their expenditure and ensure it does not burn a hole in their pocket. There are lots of insurance companies that provide short term health insurance.

You can easily get an online quote for the insurance based on the requirements specified by the individual. This helps you to decide on the right pick based on the cost, type and benefits. Some companies offer easy access to doctors and clinics which comes along with the package but the cost factor may be bit on the higher side. Insurance companies which provide low cost packages might have limited access to the clinics and the coverage may be less but the cost advantage is evident.

What It Covers

A typical short term health insurance covers benefits as hospital fees, diagnostic and lab charges, organ or tissue transplant charges and the list goes on. Some companies also have attractive benefits which include a discount card for the medications that are needed for the person. All these short term insurance packages have their own advantages and it all depends on our requirements to pick the right one.

Short term insurance provides all the right benefits for the short period just like the regular health insurance. Some people fail to understand the relevance as they feel it is alright not to be insured for such a short period. Human life is very precious and short term insurance is something which should not be taken lightly.

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Short term insurance

Question by gitrdone281: I need 60 days of health insurance for my child. Where is the best place to get such short term insurance?
He is being dropped from a private plan and my employer won’t let me add him until open enrollment.

Best answer:

Answer by Pat
Check with Cobra for a short term plan like that.

Unfortunately it is going to be very expensive with any company you decide to go with.

Know better? Leave your own answer in the comments!