Affordable Short Term Health Insurance
Being between jobs, waiting for employer coverage, laid off, or just recently graduating can be stressful times and
the last thing you need to worry about is the lack of health care coverage. HMD Life can help you get affordable
short-term health insurance quickly and hassle free. Don't risk going with out health insurance during your transition,
request plan rates today.
What is Short Term Health Insurance
Short-term health insurance plans, also know as temporary health care insurance, are simpler plans then standard policies designed
to protect you against sudden or unforeseen illnesses or accidents. Most short term plans provide coverage for 6 months, however
some may offer coverage up to 12 months or longer depending on the insuring company. Short term plans generally do not cover any pre-existing medical conditions that have been
diagnosed or treated within the last 3 to 5 years.
What You Should Shop for
When shopping for low cost short term health insurance you should look to see...
- How long will my coverage last?
- Will you be able to keep your own doctors and hospitals?
- Will prescription drugs be covered?
- What other various medical services will be covered?
Pre-Existing Conditions and Coverage
A pre-existing condition's definition varies per state. If you do suffer from something which could be classified as a
a pre-existing condition you may want to consider COBRA, an employer-sponsored insurance that can be extended under a government-regulated
option, or Health Insurance Portability and Accountability Act (HIPAA) plans which are more expensive but designed for people
with pre-existing conditions who may have trouble getting insured otherwise.
