A Brief Explanation of Short Term Insurance

by Ray Sandeo (submitted 2009-10-02)

The short term health insurance is a excellent choice for people residing in the United States who are between jobs, waiting to take up another health insurance, waiting for Medicare, newly graduated, or are on COBRA.

Temporary insurance can provide insurance against possible illnesses or injuries and do not typically include benefits such as preventive care, physicals, immunizations, dental or vision care and pre-existing medical conditions.

Temporary insurance is usually valid for U.S citizens who are under the age of 64, their spouses and children. People who want to take up temporary insurance need to complete a short health qualification questionnaire which is necessary for coverage approval.

Temporary insurance covers costs such as Hospital & Surgery Fees, Outpatient Doctor Office fees, Diagnostic & lab fees, Organs, tissue or bone marrow transplant. Short Term Health Insurance provides insurance for a minimum period of one month to a maximum period of 12 months. The maximum coverage offered under this plan is up to one or two million dollars.

Temporary insurance provides insurance for a minimum period of one month to a maximum period of 12 months. The maximum coverage offered under this plan is up to one or two million dollars.

There are several companies that provide short term medical insurance plans and depending on the duration and the benefits you require, you can choose an appropriate plan.

Assurant Short Term Health Insurance, Secure Short Term Medical Insurance, Golden Rule United Healthcare Short Term Insurance and Secure 12x3 Short Term Medical Insurance are a few of the many plans available. .

Assurant short term medical insurance plan can be bought for a minimum time period of 30 days and a maximum time period of 360 days and offers coverage for U.S citizens and their spouses who are under the age of 65 and are not eligible for Medicare. Coverage is also available to their children who are under the age of 19. Non US residents must have resided in the US for at least 12 months. The other Short Term Health Insurance plans also have similar terms and conditions.

(Source: GoArticles.com)