Temporary Health Insurance - Short Term Health Insurance

Temporary Health Insurance Frequently Asked Questions

Temporary health insurance is viable alternative for a lot of insurance shoppers. It is very cost effective, easy to apply for and usually coverage can begin the next day.

Do temporary health insurance plans provide the same coverage as PPO or HMO plans?
Yes, these are major medical plans. The provide coverage in and out of a hospital. They are not just basic hospitalization plans. Once you meet your deductible and coinsurance they will pay for $1 million dollars of expenses.

What happens after I have the plan for three years?
After three years you can move to a different plan. However, you must qualify medically again. During the three years you do not have to requalify. They are automatically renewable each year.

Why are these short-term insurance plans so much cheaper than PPO plans?
They do not have to pay a PPO network. The entire administrative structure is much simpler and less expensive to run.

What about maternity coverage or prescriptions?
They do not provide maternity coverage and use a discount card system for prescriptions.

What doctors and hospitals can I use?
Since there are no networks, you can use any doctor and any hospital.

Will this plan cover mammograms and pap smears?
Yes, after you meet your deductible.

What is this plans rated?
The plan is rated "A" (Excellent) by A.M. Best.

Will the plan cover me at work?
Temporary health insurance provides 24 hour coverage.

Will I have coverage outside the country?
Foreign travel is covered to a maximum of $25,000. However, this is $25,000 more than most other plans.