Looking for short term health insurance? Here’s how to get affordable short term health insurance coverage the easy way.
Short Term Health Insurance
Short term health insurance is health insurance coverage that usually lasts for 6 to 12 months, depending on your needs. It protects you and your family during times when you have no other health insurance coverage. For example, when you are …
* Between jobs
* A part-time or temporary employee
* A college student no longer covered by your parentsâ policy
Short term health insurance also provides an affordable alternative to COBRA coverage.
Short Term Health Insurance Costs
When you need the protection of short term health insurance, where can you find an affordable plan? Fortunately, because short-term health insurance plans are intended for people who may not be working, the plans are made to be affordable.
Your premium will typically be about the same as an average car payment. In addition, you can usually drop the coverage any time when your circumstances change and you no longer need it.
Finding Affordable Short Term Health Insurance
With 16 million Americans a year buying short term health insurance, there is competition among insurers to provide the most affordable coverage. You can save money by taking a little time to research policies and find the most affordable short term health insurance.
Begin your search for affordable short term health insurance on the Internet. There are insurance comparison websites where you can get short term health insurance quotes from multiple A-rated companies. Some sites even have a chat feature so you can get answers to your insurance questions from an insurance professional. (See link below.)
What Short Term Health Insurance Covers
Short term health insurance usually provides the same coverage as other health insurance plans, including …
* Doctor visits
* Surgeries
* Inpatient and outpatient treatments and procedures
* Other hospitalization services
* Discounts on prescription medications
* Dental care
* Vision care
Short term health insurance usually does not cover pre-existing conditions or preventative care.
Find the Best Health Insurance Company for your Needs
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Where can a recent college grad find affordable short-term health insurance?
I am not sure what to do about health insurance after I graduate from college (in a few months). I know that I am going to need some time to job hunt (my field is very competitive) and I would also like to do some volunteer work before I start my career. Problem is, if I am not a full-time student, my parents’ health insurance won’t cover me, and if I don’t or can’t find a job with benefits right away, I will be left uninsured. Any ideas where I can get affordable health insurance for short-term (no more than a year and a half) ??? Thanks!
I must say quite a helpful and timely article. The fall admissions are around the corner and I reckon students will be eagerly waiting for their Visa approval. At the time of my admission I bought an ICICI student insurance cover which offered 1/3rd the cost of Medical Insurance abroad to secure my study trip. Being a student of Duke University, I would suggest Indian student to buy student insurance so that they can concentrate on studies without any hurdle.
When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health. It was a simple online process. I remember it being affordable. I cannot speak for how good it is, because thankfully, I did not need to use it. After 6 months, it expired and that was it
http://www.gradmed.com
Just make sure you read what they will not cover. For example, don’t get pregnant.
good luck
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Some schools offer this, called student insurance, UNC and Duke do . Do some checking at school, otherwise, your next job after 90 days.
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We can earn our own money by having a part time jobs. I become a blood donor and I get paid $50/hour to donate blood! This is really helpful even if it’s just a part time job and the bottom line of this is to save lives. As we all know, Blood bank shortages kill tons of people all the time and it is time to spread the word about blood donation and give blood, you will never know when You might need blood.