Need Temporary Coverage?

Temporary or short-term health insurance can provide coverage for these "in between" times you find yourself without health insurance such as:

• Attending school or recently graduated
• Employed part-time or temporarily
• Waiting for permanent health insurance to begin
• Temporarily without health insurance for most any reason

These plans provide coverage for a short time; typically 30 to 180 days. If you need to extend coverage beyond the intial period, you may be able to renew the plan.

Most short-term plans will cover you in the event of an accident or a sudden illness. As you might expect with almost any health insurance plan, short-term plans may have benefit limits, and you'll be required to cover an initial deductible and to make co-payments. You'll be allowed to choose your own health-care providers. These plans rarely require a physical exam, and coverage often begins as soon as the insurer receives your application and first premium payment.

There are limitations ...
To keep the premiums down, short-term health insurance plans don't offer all of the benefits of permanent plans. Most won't cover treatment of a pre-existing condition (i.e. an illness or injury that has produced signs or symptoms, or for which you've received treatment, in the past five years). In addition, these plans don't cover routine medical exams, preventive care, dental or optical care, or pregnancy and childbirth expenses.