Short term health insurance by arriffandy

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									Title:
Short term health insurance

Word Count:
429

Summary:
If you are between jobs or are awaiting another health insurance policy
to come into effect you may find that you have a gap in your health
insurance coverage. This period is a high risk as you are effectively
uninsured when it comes to health insurance.


Keywords:
Insurance, insurance policy, short-term, guaranteed, plans, health,
health insurance, finance


Article Body:
If you are between jobs or are awaiting another health insurance policy
to come into effect you may find that you have a gap in your health
insurance coverage. This period is a high risk as you are effectively
uninsured when it comes to health insurance. So what are you to do in
this interim period? Well one of the best options in such situations is
to consider taking out a short-term health insurance policy. This will
cover you for a limited or fixed term.

Usually, short-term health insurance policies last for periods of less
than six months. There are policies that will cover you for up to twelve
months also however. If you need coverage for periods longer than this,
you should probably be considering standard individual or family health
insurance plans.

<b>Application is Simple</b>

One of the benefits of short-term health insurance is that the
application process is somewhat more straightforward. These policies are
really designed to cover unforeseen accidents and other emergency
situations and are not recommended for comprehensive health protection.
They will therefore generally not cover such advanced features as
preventive treatments, physical and diagnostic tests, immunizations,
dental and vision expenses which you should try to avoid for the period
under which you are covered by the short term plan.

The main concern, and something you should be aware of if you are
considering a short term plan is that they will make you ineligible for
guaranteed issue health plans. These plans are most commonly referred to
as HIPAA plans. They can be very expensive and are used in cases where
the insured has existing medical conditions, which would otherwise make
it very difficult for you to obtain health insurance. If you think you
will need eligibility for a HIPAA plan, you should not purchase short-
term health insurance. The Health Insurance Portability and
Accountability Act or HIPAA, and state health insurance rights are
important protections and you should seek advice from a benefits advisor
in these regards.

<b>Are you covered?</b>

Short-term health insurance plans will not cover existing medical
conditions. While the exact definition depends on your circumstances and
on state laws, what this means is that if you have been diagnosed in the
last three to five years or have been receiving treatment for a
condition, it will be a pre-existing condition and you will not get
coverage for it under your short term plan. Therefore, if this applies to
you, it is <b>recommended</b> that you extend your current comprehensive
policy rather than switch to a short-term plan.

								
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