Why short term health?
Short term health insurance plans work well when we need them the most. When we begin
a new job we have to wait for eligibility before new benefits kick in. When you leave a job the
big discovery happens, the COBRA option offered shows how much your health insurance
actually cost. Most people are unprepared to pay the high cost their employer was paying so
they go with a short term plan until they are eligible for group benefits with a new employer.
If moving to self employment rather than a new job, you will be entering the individual health
insurance market. It's a COBRA health insurance alternative.
How long is short term?
This depends on the state laws where you reside. Depending on your particular state, you can
keep temporary medical coverage for 6 months, 12 months or renew indefinately.
How much does it cost?
By nature this insurance does not cover preexisting conditions, that is not what it's designed to
do. A short term plan is designed to cover the unexpected that seems to happen when we are
vulnerable and without a full coverage type plan. Because they don't pay for preexisting conditions it costs less than a permanate health policy.
When does coverage begin?
Your policy can start protecting you within 24 hours or the date you specify.
Is child only coverage available?
Yes, most companies require the child to be at least 2 years old.