June 2021
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Short Term Health Insurance

Short term health insurance plans, also known as temporary medical insurance, are just a way to keep yourself insured in periods of time that you are not insured for a variety of reasons. Medical insurance are insurance plans where, in the case of physical or mental disability, the insurance agency covers the medical costs of rehabilitation, surgery, or recovery to avoid the policy holder paying out of pocket.

Temporary health insurance policies are meant to give medical help to persons who may come into a period of their life when they do not have health insurance for reasons such as: in between jobs, college, and persons who are part time employed or seasonally employed.

Short term health insurance plans create an added flexibility when choosing doctors, prescriptions and clinics. A lot of the plans will offer additional discounts if the persons have specific needs. Most people from the age of 19-65 are eligible for short term health insurance due to the lower probability of death or fatal illness. If the person or persons are enrolled in schools however, they usually get next to nothing costs for the same benefits as others who have to pay the full premium. The agency offering the insurance can be privately owned or publicly owned, depending on the plan your looking into. The plans range of time go from anywhere from 30-365 days, depending on the company and plan.

Crucial things to remember when choosing your health insurance plans is that short term health insurance plans are not meant to take the place of long term or permanent medical insurance. These long term plans are usually offered by your employer or the persons you wish to purchase short term off of. Temporary health insurance programs are meant for unknown medical complications during times you don’t have insurance and times of unforeseen and unplanned health problems. Temporary or short term health insurance policies are not covered by the Health Insurance Portability and Accountability Act (HIPAA). The simplicity of this is that, you have no security promises from the government, which means you have the chance of getting scammed.

About Author
Hi, I’m Cayden Ryan, and i write on a variety of topics including short term health insurance and enjoy eating pizza and ice cream.

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