What is short-term health insurance and how does it work?

This is a plan that sets you up with coverage for a specific amount of time. This type of plan coverage is ideal for individuals who may find themselves unemployed, between jobs or waiting for another type of health insurance to kick in. The plans typically offer coverage anywhere from 30 days to 12 months. The process of applying for short-term health insurance is traditionally simpler than standard, longer-term health insurance. These plans are structured to offer protection against unexpected illnesses or accidents, and typically don't include coverage as it relates to preventive care, yearly physicals, vaccinations, dental or vision care.

Enrolling in a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans, normally known as HIPPA plans. HIPPA plans are costly and mostly intended for individuals who have pre-existing medical conditions who have trouble getting health insurance through the traditional routes. Keep in mind that if you want to keep yourself eligible for HIPPA plans, you should not enroll in a short-term plan. Contact a benefits advisor to find out about terms and conditions under the Health Insurance Portability and Accountability Act (HIPPA) and other rights under state law.

For the most part, short-term health plans do not cover pre-existing medical conditions. This is defined as conditions that have been diagnosed or treated within a given period of time, but this definition varies state by state. If you have an existing medical condition, you may want to research whether you can extend your current type of insurance. Insurance sponsored through your employer can be extended through COBRA, a federal government-regulated option. You should consider the COBRA option and seek guidance particularly if you have an existing medical condition.

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