Short-Term Health Insurance

There has never been any intention for short-term health insurance to provide policy holders with any kind of permanent health care solution.

Short-term health insurance plans were devised to provide temporary health insurance cover to people in such situations as changing jobs, changing relationships, students or those people in seasonal occupations.

Most short term insurance policies offer insurance cover for six months or perhaps, in some instances, a year. If you are looking for health insurance that will cover you for more than a year you need to look at standard health insurance policies.

The downside of short-term health insurance plans is that they are really basically designed for accident cover so specifically exclude pre-existing conditions and preventative care. If you have a pre-existing condition that is covered by your existing health insurance provider, transferring to a short-term health insurance policy is not advisable as you would lose your HIPAA rights.

HIPAA plans are fairly expensive but effectively enable you to qualify for a comparable health insurance policy when you change insurance providers. HIPAA plans are ideal for anyone with pre-existing conditions.

If you want to apply for a short-term health insurance policy, the application process is fairly painless and extremely quick with applications being far simpler than those of standard health insurance providers. Health cover under short-term health insurance policies is usually available within 24 hours.