Short Term Insurance

Short Term (or "temporary") insurance is medical coverage for people needing health insurance for a short time - 30 days to 12 months.

Some carriers offer coverage for a specific number of days, others for one-month increments.  Coverage can be purchased in a specific block of time or month-to-month.

Short Term is for individuals and their dependents who do not need coverage for pre-existing conditions.  Benefits are paid or illnesses and accidents incurred during the Short Term coverage period subject to approved contract benefits.

Major medical expenses such as hospital, physician services, prescription services and other approved services for an illness or accident are covered subject to approved contract benefits.

Routine doctor visits, wellcare and pregnancy are generally not covered.

You can choose your own doctors and hospitals.

This can be a great alternative to COBRA, coverage between jobs, or a health care solution for a graduating senior losing coverage under their parents' health coverage.

Plans go into effect the day after you apply if you meet the requirements of the carrier and submit a premium payment.

Please be aware that policies have limitations and exclusions.

For more information or a no-obligation quote please complete our short term quote form. 

Or click on the link for a quote or to apply directly with a carrier.   Go to the next page for the link.