Temporary or “Short-Term” health insurance coverage lasts from 30 days to twelve months. The total length of coverage cannot exceed twelve months with a single carrier. To get additional coverage you have to switch carriers or have a six-month gap between policies.
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In between jobs or laid off |
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Graduated from college |
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Waiting for group coverage to take effect |
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Waiting for individual coverage to be approved |
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Coming off your parents plan |
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Traveling |
| Plans Cover: | |
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Doctors Services |
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Hospital Charges |
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Prescription Drugs |
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X-rays & Lab Tests |
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Durable Medical Equipment |
Plans usually have a choice of several deductibles and all the benefits are subject to the deductible. After the deductible is satisfied the plan has a percentage you pay (i.e. you pay 20% and the plan pays 80%). You pay this percentage until you reach a maximum out of pocket limit and then the carrier pays 100% of all the rest of the covered expenses.
These plans can sometimes be used as alternatives for people that have problems that prevent them from getting individual coverage.
