Not CoveredShort term medical insurance does not cover pre-existing medical conditions, no matter how long ago you had symptoms and treatment. If you had ear infections five years ago that were completely cured, a new ear infection will not be covered under a new short term medical insurance policy. Maternity expenses are not covered. All short term medical insurance policies have a per person deductible that is not paid. Some policies also have a co-insurance that could add to the uncovered expenses.
CoverageConsidering the fact that these are “indemnity” type plans offering liberal coverage with any doctor or hospital anywhere in the country, short term medical insurance is considered to be among the highest quality health insurance plans in use today. The obvious limitations of pre-existing conditions and overall length of coverage under a policy are the blatantly obvious restrictions on quality of coverage.
CoverageMost short term medical insurance policies are issued for six months at a time. The shortest policy is 15 days but most insurance companies require a purchase of at least 30 days coverage. Some plans may be available for up to three years. It is possible to enroll in one six month plan after another to achieve to total overall length of coverage needed. A few states require members to switch health plans every 12 months in order to continue to use this type of coverage.
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