Short Term Health Insurance Coverage

Short Term Health Insurance Coverage: A Look At What is Covered And What is Not

How Temporary is Short Term Health Insurance?

One of the main keys to short term health insurance policies is that they will only last for a limited amount of time. They are non-renewable policies, which means that once your time using your short term health insurance policy is up, you will no longer be covered no matter what. You cannot get any additional time added to the amount of time in which you are covered. So how long will you be covered for? Well, it all depends on the short term health insurance policy that you choose. Some short term health insurance policies that are offered by some insurance companies will only cover you for thirty days, while some policies will cover you for twelve months.

Are There Age Requirements?

Unfortunately, the true is that yes, there are age requirements for majority of short term health insurance policies that are offered by most insurance companies. Most short term insurance policies will cover anyone between the age of fifteen days and sixty four years and eleven months. Short term health insurance policies will also cover dependent children until they reach age twenty, or who are twenty five and full time students.

How Much Will it Cover?

The amount that your short term health insurance policy will cover all depends on the plan that the insurance company you choose to use will offer you. On average, most short term health insurance policies will cover up to one million dollars per person. Some plans may cover up to two million dollars per person, but will of course, be more expensive.

“Extras” Are Generally Not Included

Extra amenities are usually not included in short term health insurance plans. What is meant by extra amenities includes dental coverage, vision coverage, and mental disorder coverage. You might rarely find a short term health insurance plan that will offer you one or more of these amenities, however, the amount of premium that you will be paying will be higher than it would be with another type of short term health insurance policy. Generally, if you are looking for these extra things to be covered, a short term health insurance policy is probably not for you.

What to Do If You’re Not Covered

If you are not covered by a short term health insurance policy due to your age or you want a policy which will include some extra types of coverage, there are a number of other options that may be available for you. You can begin an individual health insurance policy. You also can look for a group whose health insurance policy you can join. Keep in mind that groups are not limited to work places. You can also find them through religious, professional and community organizations, or you can even begin one with your family.