Short Term Medical.
Offering the solution to fill the temporary health insurance needs of:
A new employee waiting for his or her new employer coverage to begin A seasonal or temporary employee A recently unemployed worker who finds that they cannot possibly afford COBRA costs A laid off employee A dependent who is no longer eligible for health insurance under their parents plan A recent college graduate possibly looking for their first full time position
Short term medical plans are most often of the major medical design. Many short term health plans allow total freedom of choice of doctors and hospitals while others require you to use their network of doctors and hospitals or you could incur a penalty.
With a short term medical you can achieve peace of mind while you are between permanent health plans. Short term health insurance can typically be purchased for up to 185 days or possibly 365 days depending upon your state laws.
When using temporary health insurance plans or short term medical plans as an alternative to COBRA it is important to preserve your rights to guaranteed health insurance and coverage for pre-existing conditions, you may need to purchase up to 18 months of COBRA. You may forego these rights when you purchase a short term medical plan or choose to go without insurance.
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