So who exactly would really want a short-term health insurance policy and why? Since it seems, of all types of insurance, health insurance requirements do seem to be a long term matter on the surface. The fact, is that you may be surprised at the effective number of people who find themselves in demand of a short term coverage at some stage in their life-time.
Recent College Grads
Recent college alumni are the first that come to mind. They might have been covered by a large health insurance policy through their schooling while they were attending college but presently find themselves unsuitable for that coverage after they have graduated. Of course, they plan on getting some work that has coverage benefits but they will have to have something to hold them over until that time.
Recent Employs in Need of Health Insurance Coverage
Many companies that do offer big health insurance plans for their hires ofttimes demand that a certain period of time lapse before a freshly hired individual becomes entitled. This would be another perfect model of someone that would see themselves in need of a short term policy.
Twelve, Twenty-Four and 36 Month Insurance Policies
Generally, short health insurance policies are available principally in 12 month increments. Nevertheless; there are some carriers that do offer 24 and 36 month policies. Also, nearly all short term health insurance policies won’t cover preexisting circumstances.
Exceptions in Short Term Insurance
Something else that you won’t see short term plans protecting is preventative treatment such as pap smears. In fact, short term health insurance policies tend to have far more exclusions than common health insurance plans.
Tags: health, health insurance, insurance, pap smear, pap smears, school, treatment
