Extra Info Type of coverage

What is Short Term Insurance?

Short-term health insurance plans provide coverage for a limited period, and may be ideal for those between jobs or waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some are for 12 months. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans.

The application process for short-term health insurance is usually simpler than longer-term health insurance. Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses so they do not generally include coverage for preventive care, physicals, immunizations, dental or vision care. Short-term plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but in general they exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have a pre-existing medical condition, fine out whether you can extend your current employer- sponsored insurance under a government regulated option - COBRA, which is worth considering.

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Why would I want a Short-Term Healthcare plan?

If you’re between jobs, waiting for coverage from another health insurance plan to start, laid off, on strike, a recent college graduate or seasonal employee and know that you only need coverage for a specific period of time, short- term health insurance may be a great option for you.

What happens when I reach the end of my Short-Term coverage period?

If you’re between jobs, waiting for coverage from another health insurance plan to start, laid off, on strike, a recent college graduate or seasonal employee and know that you only need coverage for a specific period of time, short- term health insurance may be a great option for you.

How soon can my Short-Term coverage start?

If you make your first premium payment by supplying a valid credit card number with your application, coverage can start within 24 hours. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment. If you would prefer to have your coverage start later, you can select a date up to 30 days in the future.

 
 

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