Affordable
Short-Term Temporary
Medical/Health Insurance
Plans
Individual
and Family Short Term Health
& Medical Insurance Plans
Short-Term
Health Insurance is a
insurance solution to stay
protected between jobs,
recently graduated college,
COBRA alternative, or
waiting for your new job
medical insurance to start.
About
Short Term Medical
Insurance:
Short-Term
health insurance is most
often more affordable than
COBRA or other group
alternatives. The temporary
health insurance is a
comprehensive insurance plan
that will cover you when you
need it and you can get the
short term medical insurance
as early as the next day.
The coverage is designed for
those who need coverage
between 30 – 365 days. Most
all big carriers will offer
short term medical insurance
plans, choosing the right
carrier can be difficult so
be sure to contact a
licensed agency, like MJ &
Associates Insurance
Services for assistance.
The insurance is designed to
cover major hospital, major
medical and surgical
expenses that arise while on
the medical plan.
Who is a
good candidate for Short
Term Health Insurance?
Short-Term
health insurance is not for
everyone. The coverage can
last between 30-365 days so
if you plan on having the
health insurance for longer
than we suggest you look
into a traditional health
insurance plan. It is great
for recent college
graduates, the unemployed,
those who are employed only
part-time, those who take an
early retirement, or someone
who is waiting for the
medical benefits at work to
kick in.
How does
Short-Term Medical Insurance
work?
Temporary
health insurance is
generally a PPO plan with a
deductible. Most all
aspects of a health
insurance plan will be
covered; it mainly depends
on the specific health
insurance plan and the
insurance carrier. Most
often office visits, and
preventative care is not
covered. These plans are
mostly designed to cover
emergencies, they are not
meant for year round health
insurance coverage.
Who can
apply for Temporary Health
Insurance?
Short-Term
health insurance is mostly
offered to those under age
65 and must go through the
same standard underwriting
guidelines as you would if
you were applying for a
traditional health insurance
plan. The application will
ask you basic questions to
find out if you are taking
any medications, have been
hospitalized, been declined
from other plans, height,
weight, ect.
What will
Short-Term Health Insurance
Cost Me?
There are too
many factors to take into
account in order to properly
quote you on a short-term
medical insurance plan. To
get a free quote for
short-term health insurance
please call our offices at
949-548-8448 or toll-free
888-863-0444.
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