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| Short Term Health Insurance | Short term health insurance is a type of insurance, which extends for short period of time. As usual this insurance lasts for 1-12 months. The main advantage of this type of insurance is that having it you can choose your practitioners and clinics. Short term insurance covers all your expanses (in case if your deductible and coinsurance sums are met).
Short term medical insurance covers the majority of medical, surgical and hospital costs, which are caused by covered accidents. Such services as surgical, daily hospital room and boarding, compound hospital services etc. are covered.
This type of health insurance has the date of expiration, which is defined by the period of your temporary insurance. It allows you to select monthly billing for the certain length of coverage.
 People choose short term health insurance, when they are in the “changing jobs” situation: they lost their group insurance in the previous company and have to work for trial period in the new company to obtain insurance (it’s a couple of months as usual). Such individuals don’t want to be uninsured for this period of time and choose this type of insurance. Also to the short term health insurance contingent belong college graduators, people, who wait for long-term health insurance plan to join into force etc.
One of the short term medical insurance advantages is simplicity of its obtaining. It’s much more easier to get temporary insurance than permanent health insurance. As usual insurer asks you a couple of common questions, such as:
- Are you currently insured?
- Are you (your wife) pregnant?
- Have you been turned down health insurance plan because of health problems?
- Do (did) you have such health problems as heart strokes, cancer, diabetes, blood pressure problems, different kinds of addictions or AIDS?
The decision of the insurer depends on your answers to these questions.
If you get a positive answer from insurance company you will be insured in such short period of time as 1 day. In case of permanent insurance application the process is much more complicated and may take a couple of weeks.
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