People who come under the following categories are the most eligible and suited to take up temporary insurance – people who are switching jobs, people who are still deciding about medical insurance options, people who qualify for Medicare, people who are on COBRA and people who have graduated.

Temporary insurance is very important as it provides protection against any illness or injury sustained during the coverage period. Usually this plans do not offer protection against physicals, immunizations, dental or vision care, pre-existing medical conditions and preventive care.

People who are residents and citizens of U.S and less than 64 years eligible to purchase short term health insurance. It is compulsory for all the people who are interested in purchasing short term medical insurance plans to fill in their details in a short health qualification questionnaire to determine their eligibility for the plan.

Temporary insurance covers various aspects such as, tissue or bone marrow transplant, & Surgery Fees, Outpatient Doctor Office fees and Diagnostic & lab fees.

Temporary insurance needs to be bought for a time period of at least 3 months and the maximum time period for which it can be bought is 12 months. Depending on the plan, benefits up to a maximum of $1-2 million are offered to insurers.

There are different companies that offer short term health insurance plans and the policies and coverage are subject to change, depending on the plan. We have to go through all the plans and then choose a plan that can satisfy all our requirements.

A some of the numerous short term insurance plans are – Secure 12×3 Short Term Medical Insurance, Assurant Short Term Health Insurance and Secure Short Term Medical Insurance and Golden Rule United Healthcare Short Term Insurance.

Assurant Short Term Health Insurance needs to be purchased for at least a month and can be taken for a maximum of a year. Citizens of U.S less than 64 years who are not eligible for Medicare, children less than 19 years, non-U.S citizens who have resided in U.S for at least a year are all eligible to purchase this plan. The terms and conditions associated with several other short term insurance plans are more or less the same.

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