Substitute Insurance

Taking up temporary insurance is a recommended option for people who stay in the United States, people who are in the midst of looking up other insurances, people who are still awaiting Medicare, students who have graduated and people who are on COBRA.

Short term health insurance is very essential as it provides protection against any illness or injury sustained during the coverage period. Usually short term health insurance plans do not offer protection against physicals, immunizations, dental or vision care, pre-existing medical conditions and preventive care.

People who are residents and citizens of U.S and less than 64 years qualify to purchase short term insurance. It is mandatory for all the people who are interested in purchasing this plans to fill in their details in a short health qualification questionnaire to determine their eligibility for the plan.

Short Term Health Insurance covers expenses such as Hospital & Surgery Fees, Outpatient Doctor Office fees, Diagnostic & lab fees, Organs, tissue or bone marrow transplant.

The minimum time frame for which short term health insurance can be purchased is for one month and the maximum time frame that it can be bought for is 12 months. Amounts up to $1-2 million dollars are offered as the maximum coverage.

There are various companies that offer short term health insurance plans and the policies and coverage are subject to change, depending on the plan. We have to go through all the plans and then select a plan that can satisfy all our requirements.

Some of the short term health insurance plans are – Golden Rule United Healthcare Short Term Insurance, Secure 12×3 Short Term Medical Insurance, Assurant Short Term Health Insurance and Secure Short Term Medical Insurance.

Assurant Short Term Health Insurance needs to be bought for at least a month and can be taken for a maximum of a year. Citizens of U.S less than 64 years who are not eligible for Medicare, children less than 19 years, non-U.S citizens who have resided in U.S for at least a year are all eligible to purchase this plan. The terms and conditions associated with several other short term health insurance plans are more or less the same.

Taking up short term insurance is a recommended option for people who stay in the United States, people who are in the midst of looking up other insurances, people who are still awaiting Medicare, students who have graduated and people who are on COBRA.

Short term health insurance is very essential as it provides protection against any illness or injury sustained during the coverage period. Usually short term health insurance plans do not offer protection against physicals, immunizations, dental or vision care, pre-existing medical conditions and preventive care.

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

Short term health insurance provides coverage for different aspects, which include Diagnostic & lab fees, Organs, tissue or bone marrow transplant, Hospital & Surgery Fees and Outpatient Doctor Office fees.

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.

There are several companies that provide Short Term Health Insurance plans and depending on the duration and the benefits you require, you can choose an appropriate plan.

A few of the numerous short term health insurance plans are – Secure 12×3 Short Term Medical Insurance, Assurant Short Term Health Insurance and Secure Short Term Medical Insurance and Golden Rule United Healthcare Short Term Insurance.

Assurant Short Term Health Insurance plan can be purchased 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.