Short term health insurance is also known as temporary health insurance is basically a health insurance plans that is afford to a person for a short period of time. in another word this insurance is for those people who do not want to waste a lot of money for a very long period of time but instead spend money for a very limited period of time. The short term health insurance also serves as a gap or a bridge between long term and medium term health insurance. The short term health insurance provides a limited amount for the medical treatment and for the medical purposes.
This insurance is mostly good for those people who suffer from the short term health problems. This insurance policy is only for a short period of time. The insurance policy doesn't cover up for a long term health insurance since this insurance policy cover for a very limited period of time only. The coverage is terminated after a short period of time. This insurance is mostly offer by many people who are tight on budget and do not offer a good health insurance or a health insurance at a very good place. One of the dark side of temporary health insurance is that this health insurance is not included under insurance category as per Affordable service act by the central government. The person is considered to be uninsured and needed to pay tax as a form of penalty.
After this lets talk about the eligibility to get short term health insurance for a person. For a person to be eligible to get health insurance the person must be healthy and should be under 65. Moreover it is best suited for the person who are at their young age of 25-26 and are separated from their family health insurance polices. This can be taken as a secondary insurance to get a fast claim processing and a refund policies or the refund of the excess premium.
Short term health insurance plans :
Short term health insurance plans include the followings.
1. All the short term health plans are cheaper as compared to other health policies.
2. All the plans are very flexible. A person can purchase it at any time according to their choice.
3. They provide a vast majority of doctors and medical services.
4. They need to be renew in less than a year and their plans provide the person with all kind of short term health care and medical treatments.
5. Before insuring an insurance it is necessary to become wise to choose a medium range of plans for the good coverage.
These are some of the short term health insurance plans.
These plans are under the affordable care act.
6. The insurance offers a quick approval for a new insured.
7. In some of the plans the prescriptions are also included. That means the full on medical coverage is under that plans. It is actually a good news for the people that have been taking medicines for a short period of time.
Now lets talk about the short term health insurance coverage.
Short term health insurance coverage :
This short term health insurance coverage provide a lift during the change of employment. Furthermore the insurance also coverage for the jobs and employees benefits.
This health insurance helps to provide the coverage for the small period of time relating to the medical treatments. This insurance helps to get a quick coverage.
This insurance helps to provide a good doctors and a wide range of the nursing home and hospitals. The insurance offers a very good services and the coverage to all the needed people at a very affordable rate.
Actually this temporary health insurance also covers for the maternity as well as other services but they do provide it on a special case or by making a special policies that include a higher rate of premiums.
Since this insurance helps to get for both the individuals as well as for the families that are travelling abroad. As being one of the simplest form of insurance this insurance helps to protect the families as well as the individuals during a single day trip.
The insurance also helps a lot for the students who are studying abroad and have no long term vision regarding the health coverage and the health issues. This short term helps meet their need and provide a good coverage.
Hence these are some of the basic short term health insurance coverage that the insurance companies provide to their users. All the general plans and all these policies along with the coverage are also provided under affordable care act of health department and finance. The temporary health insurance helps to cover up all the things. Short term health insurance are designed for a very short period of time so it is good to use for a limited time period. Dental, vision, and other illness are all categorized under this short term health insurance plans.
This health insurance is for those who cannot apply for the affordable health care act.
If you have any confusion regarding this short term health insurance plans, policies and coverages then feel free to comment us below.
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