Short Term Health Insurance Plans
FREE Short Term Insurance Quotes - Short Term Health Coverage
fun88.com, short term health insurance plans are for people that need temporary coverage due to a job loss, recently graduating from school, or are waiting for permanent coverage to start. Short term insurance is not comprehensive and generally only provides coverage for emergencies. If you need health coverage for a brief amount of time, then consider short term coverage.
Using the Internet to find cheap short term health insurance coverage allows you to quickly find your options and apply for the coverage that is best for your situation. eHealthInsurance is the leading place to obtain health insurance coverage on the Internet. With the ability to easily view your short term health insurance coverage options, get FREE, no-obligation, instant quotes, and apply online, eHealthInsurance is the place to get the coverage you need.
Highlights of Short Term Health Insurance Plans
Highlights of short term health insurance plans can be found below:
- The usual length of short term insurance plans is 6 months, with some plans allowing coverage for up to 12 months.
- Some providers offer you the chance to reapply for coverage after your first term is up. However, you usually can only reapply once, then you need to seek coverage under a traditional health plan.
- Short term health insurance plans are not nearly as comprehensive as a traditional policy is. Temporary policies are only for major illness or accidents and don't provide coverage for routine doctor visits, immunizations, etc.
- Short term health coverage typically does not provide coverage for pre-existing conditions.
- If you need to remain eligible for a HIPAA medical plan, then do not get a temporary policy. A HIPAA plan offers fairly expensive coverage for people recently out of work who have pre-existing conditions that makes them ineligible for a traditional health care policy.
fun88.com, short term health insurance coverage is great for people needing a temporary solution to protect them in emergencies. If you need cheap health insurance, short term health insurance plans are a great option until you can get a long-term health policy.
Short Term Insurance Quotes
Use eHealthInsurance to get short term health insurance quotes and compare available plans. eHealthInsurance not only offers over 10,000 health insurance plans, but has the best prices for the coverage you are looking for. fun88.com, because health insurance premiums are set by the Department of Insurance in your state, you will pay the exact same rates for the same plan regardless of where you purchase the coverage from. Enjoy the convenience of purchasing short term insurance coverage through eHealthInsurance knowing you are getting the best rates available.
Go to eHealthInsurance to instantly get your FREE, no-obligation short term health insurance quotes today!
Differences Between Short-Term and Long-Term Health Insurance
Below is a video from eHealthInsurance discussing the differences between short and long-term health coverage.
Comparison Between Short and Long-Term (Major) Health Coverage
| Short-Term* | Long-Term** | |
| Basic Benefits - Both short and long-term plans provide coverage for doctors visits, emergency care, outpatient surgery, and possibly prescription drugs (depending on the plan). |  | |
| Additional Benefits - Long-term plans offer coverages that a short-term solution usually doesn't. These benefits include paying for preventative care, optional maternity coverage, better prescription drug coverage availability, and the potential option for chiropractic or other 'alternative' care. |  | |
| Lifetime Benefits Limit - Short-term policies usually have a lifetime benefits limit, such as $1 Million per person. | | |
| Unlimited Lifetime Benefits - New major medical policies issued after 23 September 2010 are prohibited from establishing lifetime benefit limits on individuals. | | |
| Eligibility Restrictions - In most states, health insurance providers may decline applicants for short-term plans, as well as an individual or family long-term major medical plan, based upon their medical history, including pre-existing conditions. | | |
| Exclusions Allowed - An applicant may be approved for a policy, but certain pre-existing medical conditions may be excluded from coverage. | | |
| Exclusions Prohibited - If an applicant is approved for coverage, no pre-existing conditions can be excluded. However, waiting periods before coverage starts for certain conditions may be imposed. | | |
| Easier to Qualify For - A short-term health plan may be easier to qualify for, as they are allowed to exclude certain pre-existing medical conditions, and do not have guaranteed renewability. | | |
| Harder to Qualify For - It is harder to qualify for coverage under an individual or family long-term plan for several reasons: 1) Pre-existing conditions cannot be excluded; 2) The policy must be renewed as long as the insured pays their bills and doesn't violate a term of their contract. | | |
| Canceling Coverage - The insured may cancel their plan at anytime. However, premiums that were paid in advance may not be refunded. With a short-term policy, it is common to pay in advance for coverage, which means if the insured cancels the plan before the policy term is up (typically a six month term), then they are out the remainder of the premium. Major medical plans typically are paid on a month-to-month basis, which means if a policy is cancelled mid-month, the insured would only be in danger of losing a few weeks worth of premium, not a few months worth. | | |
| Renewal NOT Guaranteed - A short-term medical plan provider is only required by law to provide coverage for the term of the contract, which is typically just six months. They do not have to renew a policy, which means if an illness befalls an insured individual, the insurance provider is not obligated to continue coverage after the policy term is up. If this were to happen, the sick individual might not be eligible for coverage under a major medical plan, and may have a very hard time finding medical coverage. Even if an insured does not become ill, the short-term plan provider will most likely not continue to renew the policy time and time again - after all, a short-term policy is intended to provide coverage for a limited time period. If a permanent solution is needed, then the individual needs a long-term (major) medical policy. | | |
| Guaranteed Renewal - As long as the insured pays their premiums, doesn't cancel coverage, and doesn't violate a term of their contract, their policy is guaranteed to be renewed year after year, regardless of any medical conditions that may come up. If an insured person develops an illness or cancer while covered under a major medical plan, the insurance company must continue to renew the policy each year. | | |
*Short-Term Plans - A short-term healthcare plan is designed to be used as a stopgap measure until a long-term solution can be obtained. For example, if a person is between jobs and plans to have employment that provides major medical coverage within the next six to twelve months, a short-term plan may be the right fit for them. As a temporary solution, short-term plans often come with a higher deductible and usually offer reduced benefits when compared to a long-term solution.
**Long-Term Plans - A long-term healthcare plan is also called a major medical insurance plan and is the type of a plan one would get from an employer, or purchase on their own as an individual or family major medical plan. There is a wide variety of long-term major medical plans available, with a range of deductibles, benefits, and monthly premiums. A long-term plan is the right solution for someone that needs a permanent healthcare insurance solution, rather than just something to get them by for a few months.