Temporary health insurance, or short-term health insurance, is beneficial for people who may be between jobs, new graduates, temporary employees, or waiting for their employer’s coverage to take effect, among other reasons. The short-term nature of their circumstance makes temporary health insurance coverage an ideal solution.

Temporary health insurance provides healthcare coverage at a more affordable rate, but results in a reduction in coverage.

Although temporary coverage does not cover one as extensively as individual coverage, a savings with the following services could be significant if the need arises.

• Hospital room and board
• No limitations on your selection of physicians or hospitals
• Inpatient and outpatient procedures
• Intensive care unit costs
• Prescription drugs
• Lab exams and x-rays
• Exclusions in Coverage with Temporary Health Insurance
• Pre-existing conditions
• Routine medical visits
• Dental procedures, cleaning, x-rays
• Pregnancy

Temporary health insurance is available between 30 days and 180 days. Some companies may offer plans that will last longer. I

Temporary health insurance plans don’t usually involve networks, so you are free to see any physician that you wish, with a fairly low deductible. Temporary health insurance policies will also require you to get pre-certification for some medical services or procedures.

If you have a pre-existing condition, you may be denied a temporary health insurance policy.
 

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