Short Term Health Insurance, Temporary Health Insurance

    Short Term Health Insurance is good gap coverage you find yourself in between jobs, especially if you are looking for long term health coverage that may be less than Cobra Insurance. When you separate from your employer, you need to consider all of your health insurance plans. If you decide to be included on your spouse's company health policy, you might have to wait until the next open enrollment period or 90 days.

     Short Term Health Insurance provides coverage for sickness and accidents that may occur while your policy is effective. (also known as Gap coverage or Temporary Health Insurance)

What is covered: Services of, doctors licensed Physicians, Registered Nurses, Surgeons, and Anesthetist,  Hospital services including outpatient department or ambulatory surgical facility services, Hospital rooms & general nursing care, while confined in a semi-private room, Hospital Emergency Room, Chemotherapy and Radiation & Intensive Care, Pre-admission Testing, Physiotherapy, &  Diagnostic X-ray and Laboratory Tests, Prescription Drugs and Needle Injections & Ground Ambulance Services, and Braces and Appliances & Can cover you for health insurance coverage of  30 - 180 Days.  

   When you choose short term health insurance, your out of pocket expenses will include the following: a deductible and co-insurance. (Pretty much like a regular health insurance policy) While the short term health insurance policy usually doesnt cover pre-existing conditions, its main job is to offer coverage for future ailments that may occur. You can and your spouse are eligible for coverage as long as you are under the age of 65 and it is offered in your state. Also, dependent children who are un-married are eligible from 30 days to 19 years old (age 23 if full time in college). Most temp term health insurance plans are not renewable, but may allow you to reapply after your coverage period is complete.

    Remember Short Term Health Insurance is a good, but not a substitute for permanent health coverage. It is used often when children are no longer eligible to stay on their parents plan because of graduation, BOD, marriage or their new job's coverage is not started yet. Eligibility is based on your health history submitted to the short-term health insurance carrier. For