When to Use Short-Term Insurance
Short-term health insurance plans are a great solution when you’re between jobs, waiting for group coverage to start, or if you’re a recent college graduate. These plans offer:
- Affordability – Short Term Medical is an affordable alternative to COBRA
- Flexibility – You can choose the length of coverage from 30 to 180 days that best fits your budget
- Stability – Rates remain unchanged for the duration of the policy, unlike COBRA
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Important facts about Short Term Insurance
*Short-term, limited duration plans are not subject to certain provisions of federal health care reform, including the provisions related to lifetime limits, dependent coverage, preventive care and pre-existing conditions. The pre-existing condition exclusion for Short Term Medical plans will apply for all insureds, including those under the age of 19.
*Short Term Medical insurance is often a lower-cost alternative to COBRA. However, if you purchase Short Term Medical rather than maintaining COBRA coverage, you may give up your rights to coverage for pre-existing conditions or guaranteed health insurance in the future.
