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Health Insurance for Life’s uncertain Times

No matter how financially stable, life can always throw us a curveball. Perhaps we lose a job, get kicked out of college, or simply just don’t have the funds to purchase the right health insurance plan. When this happens, the last thing we want to do is commit to a year of massive bills. Therefore, many tend to seek a short term health insurance plan, preferably one that only lasts a few months. No matter what your reason is – whether you are a new graduate or just got laid off-- you absolutely need to have some form of insurance. Unfortunately, no one knows when a medical situation is going to strike, which may result in a plethora of debt.

Fortunately, short term health insurance usually lasts for 180 days. However, some will cover you for 30 days or an entire year. Depending upon your situation, some short term health insurance plans will allow you to re-new the package, if your circumstances have not changed. On the other hand, you should not rely on such convenience, as many will not allow you to ride the short term plan for more than 360 days.

Just not sure what short term health insurance plans consist of? Surprisingly, they are no different than any other basic plan. There may be limits, deductibles, and upfront payments if you seek a doctor for medical attention. In addition, you may have restrictions on your plan – such as no coverage on preexisting conditions, childbirth, or even optical issues. This is usually because short term health insurance plans are exempt from the Health Insurance Portability and Accountability Act. In simpler terms, they do not have to guarantee you a renewed package, nor do they have to recognize your conditions prior to signing up. Nevertheless, short term health insurance is wonderful if you are seeking short term safety. If you are expecting to switch to a more in-depth health insurance plan, you will have no problem if it is temporary.