Individual Short Term Health Insurance

Your Best Resource For Individual Short Term Health Insurance

Who Are These Policies For?

There are a number of different people who individual short term health insurance policies would be good for. If you are in the process of getting an entirely new job or you are waiting for your employer to set up a group health insurance plan for the company that you work for, chances are that an individual short term health insurance plan will be good for you. Other people who it is good for include students who have only just recently graduated from college, people who were dependents who have only recently been taken off their parents’ health insurance policies, and people who cannot afford COBRA. If you are a part time, seasonal, or temporary employee, you may want to consider using an individual short term health insurance plan. Overall, if you are temporarily without a health insurance policy, an individual health insurance plan may be one of the best options for you.

Benefit of Making Choices

One of the main benefits of buying an individual short term health insurance policy is the fact that you will be able to make your own choices. Individual short term health insurance policies will generally cover any doctor’s office or hospital that you would like to go to. This means that no matter which doctor you choose, for the most part, it is going to be covered. Unlike with some health insurance policies which may require you to choose a new doctor to go to, you will be able to continue to go to the one that you have already been going to. This will make finding a new doctor less of a hassle for you, which is a great thing.

Exclusion of Pre-Existing Conditions

It is important for you to know that with an individual short term health insurance policy, any pre-existing conditions that you may have had will not be covered. Although the amount of time in which a condition is considered to be “pre-existing” may vary according to state; generally, if you have had symptoms of any type of condition within the past three years, it will be considered a pre-existing condition and will not be covered.

What Additional Costs are There?

There are a number of things that you may be able to add to your individual short term health insurance policy in order to get the coverage for it. For example, if you want to have dental, mental, or vision coverage, you will need to pay an additional cost to your policy’s premiums. If you want to have prescription drug coverage, you will also need to pay an additional cost. While these things may seem too costly, if you need any of them during the time of your individual short term health insurance policy, (especially prescription drugs), you will end up paying more later on.