Health Insurance

Health Insurance

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What is Short Term Health Insurance

Just as the name implies, short term health insurance is designed to offer coverage for relatively short periods; typically up to six months, with some plans extending coverage for up to twelve months.  The application process for short term insurance is normally much simpler than for traditional health insurance since short term insurance does not include coverage for preventative care, dental care or physicals.  This type of insurance normally does not require a physical and coverage often begins very shortly after the insurance company receives your application and premium payment.

One of the major drawbacks for short term insurance is that it typically doesn’t cover pre-existing conditions.  Exactly what constitutes a pre-existing condition varies from state to state, but usually includes conditions that have been treated or diagnosed within the previous three to five years.  

Despite a few limitations, those in need of temporary health insurance should definitely consider a short term health insurance plan.

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Health Insurance Resources

Important: although the information presented on this page was provided by the experienced insurance specialists at, it's use is strictly limited to educational and informational purposes. This information is not to be used in place of the consultation provided by a licensed insurance representative or legal advice of an attorney.