| A short term health insurance is a health insurance | | | | Types of Coverage |
| that provides coverage for a shorter period say | | | | Most short term health insurance plans either |
| from 6 months to a year. It is quite economical | | | | offer PPOs or FFS indemnity plans. |
| when compared to other long term coverage | | | | * PPO Plan: A PPO plan of this policy is a kind of |
| plans and are of tremendous help to students and | | | | "managed care". This plan provides an easy |
| temporary workers who cannot afford to spend | | | | access to a huge network of doctors, clinics, |
| much on health insurance policies. In this article we | | | | hospitals and specialists. But that doesn't mean |
| shall study the benefits, coverage and eligibility | | | | that one shall not be permitted to see other |
| conditions of a short term health insurance plan. | | | | doctors, it only means that you will make savings |
| Benefits of a Short Term Health Insurance | | | | if you consult in-network doctors. |
| The following are the benefits of taking up a | | | | * FFS Plan: In a FFS plan, you will not be provided |
| short term health insurance. | | | | coverage by the "provider". In fact, you will be |
| * Low Cost: The cost of such health insurance is | | | | given coverage by "medical service". This gives |
| much lower than that of a long term insurance | | | | the buyer freedom to see any "provider" as long |
| plan. The reason why the premiums are low in a | | | | as the service stands covered in the FFS plan. |
| short term insurance policy is that it doesn't cover | | | | This makes FFS plans more expensive than the |
| the pre-existing illnesses, thereby reducing the risk. | | | | PPO plans. |
| These policies generally protect for a year and | | | | Who All Are Eligible For a Short Term Insurance |
| there is less likelihood of anybody falling sick in | | | | Plan? |
| such a short duration. Hence, there are few | | | | For becoming eligible to go ahead with a short |
| people who make claims, thus making it | | | | term health insurance policy, one must comply |
| affordable and cheap. | | | | with the following eligibility conditions: |
| * Coverage: This plan generally covers all | | | | * You should not be more than 65 years of age. |
| hospital-related expenses, unforeseeable and life | | | | * You should not have a record of a denied health |
| threatening illnesses and rehabilitation expenses. | | | | insurance previously. |
| Thus this policy takes into account almost all | | | | * You should not be covered with any other |
| major health related problems. | | | | health insurance policy. |
| * Suitable: Because of the inherent design of | | | | * Short term health insurance policies come with |
| these polices, they are very suitable for students, | | | | certain physical specifications like height, weight |
| temporary workers, part time employees etc., | | | | etc. one needs to comply with those conditions to |
| who cannot afford heavy premiums. Visitor | | | | be eligible for a short term health insurance plan. |
| medical insurance is a must if you are traveling to | | | | Selecting a company that provides just the right |
| USA. | | | | insurance plan for you is an important task. |