Short Term Medical Insurance FAQ                         

 

bulletWhat is Short Term Medical Insurance?

bulletWho needs short term coverage?

bulletWho is eligible for Short Term Medical Insurance?

bulletCan it be renewable?


 

Question
What is Short Term Medical Insurance?

Answer Short Term Medical is a temporary plan of insurance designed for people who are between permanent health plans. Whether you are a graduating student, between jobs, laid off, or waiting for your employer's health coverage to begin, or even waiting for Medicare, a Short Term Medical plan provides valuable insurance protection.

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Question
Who needs short term coverage?

Answer Individuals who:

bulletAre recent graduates;
bulletAre college students;
bulletAre between jobs or laid off;
bulletNeed an alternative to COBRA;
bulletNeed temporary health insurance for any reason;
bulletWaiting to be covered by other insurance;
bulletAre part-time/temporary employee;
bulletNeed dependent child coverage;
bulletEarly retirees not yet eligible for Medicare.

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Question
Who is eligible for Short Term Medical Insurance?

Answer You and/or your dependents are eligible for coverage if the following general guidelines are met:
           (These conditions vary greatly plan to plan.)
           Adults under the age of  64 1/2,
           dependent children from 15 days to age 24:

bullet

Who have not received consultation or treatment within the
last three years for any conditions identified on the application;

bullet

Who are not pregnant;

bullet

Who have no other hospital or medical coverage in force;

bullet

Who possess a valid Social Security number;

bullet

Who are foreign citizens that have resided in the U.S. for
the last six months.

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Question
Can it be renewable?

Answer Coverage under your certificate is not usually renewable and is not intended to be a permanent plan. However for example, If your initial term was for 6 months and the need for short term major medical coverage continues, coverage may be purchased for another 6 months and if the need for short term major medical coverage continues, coverage might be purchased for another term. This varies plan to plan as far the terms and reapplies allowed. The maximum for one policy is 3 years. By reapplying and using more than one plan this could go even longer. Your agent can advise you as to what's best for you based on the length of time that your coverage is needed.

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